Homefinity
AUTHORIZED PARTNER

Homefinity

 4.7/5 (78 ratings)
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Homefinity

Lock in your rate

Rates are expected to jump after the next Fed meeting

Author picture
Written by Jennifer Schurman
Edited by Sally Jones

About Homefinity

Homefinity (NMLS #2289) is a mortgage lender with multiple home purchase and refinancing options. It’s part of Fairway Independent Mortgage Corp., which funded over $72.5 billion in loans in 2021. You can apply for a mortgage loan online and work directly with an experienced loan officer through the process.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Convenient online application
  • Dedicated loan officer to assist with application
  • Customizable rate quotes
  • Fast preapproval decisions

Cons

  • No jumbo loans or USDA loans
  • No in-person branches

Bottom Line

Homefinity is an easy-to-use online mortgage lender with personalized loan options and quick preapproval decisions. The entire loan process can be completed online. It’s a solid option for borrowers with good credit who want the convenience of a digital application process.

Homefinity Reviews

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Page 2 Reviews 5 - 35
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: June 2, 2022

The application process with Homefinity was very easy and the rep I talked to was very good. It was probably the best mortgage experience I've had out of all the mortgages. I’m overwhelmingly satisfied.

Homefinity response

Thank you so much for your business! We're always striving to improve and ensure our process is easy!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 18, 2022

I was out of town when I started the process and it took just over a month by the time we were closed. Everything was super easy and John and his team were very helpful throughout the whole ordeal. He was honest, upfront, and very quick with his responses. He was very respectful with all of the requests and I didn't feel rushed.

Homefinity response

Thank you for your review, and congratulations on your purchase!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 3, 2022

I got a response right away from a loan officer, then Homefinity had multiple people contact me throughout the process. Everything went pretty well. We had to have an appraisal done, and we had two weeks to prepare for that. Once the appraisal was done, the process was within days. The paperwork was in the works to be signed and the new rate and terms were very competitive. The rates have gone up a little this spring, so I expected it to be a little higher than what we had dealt with in the past, but there wasn't anything unusual about it. It was just the straight rate based on our credit. Overall, I've had four refinance experiences in the past and this was the best one, the smoothest, and the most transparent. They were very open about everything that was going on.

Homefinity response

This is great! We'll always give the very best deal we can. If rates do drop significantly, let's connect and see if we can save you some more money!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 28, 2022

Working with their rep was excellent. The process was very smooth and streamlined. It was the best experience ever. The rate I got was pretty competitive.

Homefinity response

This is great to hear, thanks for your feedback!

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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: April 22, 2022

We liked Homefinity's rate and the rep that we spoke to. My experience was fast, easy, and straightforward. The only thing that I didn't really like was that I had asked the rep if the title was gonna stay the same. I had told her that I want it to stay the same, and it didn’t. She just said that that's not her department. She sent me an email saying that everything should be the same. There shouldn't be any issues. She's gonna let them know. Then when I told her, “Well, it’s not the same,” she was like, “Oh, you’d still get that fixed with somebody.”

Other than that, they were pretty quick on sending us and getting us everything. I sent my rep text messages or email and then I even called her. And sometimes, she wouldn’t answer. She was just saying she was with somebody else, and then she'll get back to me as soon as she could. She would have the majority of the answers. If not, then the other person would answer my question. Homefinity is on top of everything.

Homefinity response

Thanks for your review! We are happy to discuss any questions regarding title work also. We'll send you a private message.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 19, 2022

I'm 81 and I was astonished that I was accepted by Homefinity. To take a 30-year mortgage is optimistic, to say the least. All three of the reps I interacted with couldn't have been better. At my age, I'm very anxious about everything so, I bothered Don constantly and he was always gracious. He answered all my questions as the process moved along. It was complicated for someone of my age because I had to produce 21 PDFs of documentation and they walked me through that process when I had problems with it. A lot of people become quickly annoyed with the elderly and they express that in their tone and in their attitudes but they never did.

Also, Don sent me a couple of emails when the process was all finished just to say that he hoped that everything had gone well and that if I had any questions in the future, I was welcome to contact him. He's a great guy and Homefinity has been an absolute blessing to me. My budget now is easy to calculate and I have so much more cash available to me.

Homefinity response

Thank you for your business!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 18, 2022

The application process for Homefinity was really easy. Everything was online and it went really smoothly. I had a very good experience.

Homefinity response

Thank you for your business!

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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: April 14, 2022

They helped me through my first house myself buying extremely well. I worked with Tiffany and she was very nice. Anytime I had questions, she was there to help.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 13, 2022

Getting my mortgage was very easy. The process was seamless and everything went smoothly. I worked with JP and he was very professional. He had very good follow-up. Anytime I had questions, he got back to me. He kept me informed along the way. I was very comfortable with him.

Homefinity response

Thanks so much for your review!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 7, 2022

My agent, Raynika, was wonderful. She was responsive and found me the best information she could. If there were any questions, she would answer within a few minutes. I will recommend Homefinity to anybody that’s in that same process I was in.

Homefinity response

We appreciate your review!

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Rated with 5 stars
Verified Reviewer
Original review: April 5, 2022

Becky, Sarah & Team were truly amazing in helping us secure loan for our second home. Right from the point of when I obtained quotes, Becky continued to communicate with me (even on weekends!) especially given recent volatility in credit markets. Thanks to her, we managed to lock in a great rate. Once we had all paperwork done, (online portal is a breeze) appraisal was done within days and loan underwriting was done soon after without delays. Communication with the title company was smooth and I heard the same feedback from my realtor as well. At no point in time did I feel the need to chase as I was always kept informed of the progress. We were able to close a week earlier than originally planned; could closed even sooner had our sellers been ready. I can't recommend Becky's team and Homefinity more!!

Homefinity response

This is wonderful feedback! Thank you so much for your review, and your business!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 2, 2022

I got a home mortgage refinance with Homefinity and everything from top to bottom was excellent. Starting with Steve, the rep, to the appraisers to the person that was assigned to specifically handle our case and even the sweet little girl at the title office, everything went as smoothly as possible. Steve was amazing about calling me back if I had a question. It was the constant email stream of letting us know where we were and what’s going on with the process. It made me firmly believe that traditional bank mortgages are dead. Everything was as promised, calls were returned and the process was extremely streamlined. I’ve financed about six houses over the years and this by far is the easiest. The application process was online so it took about 10 minutes. It took longer to get all of our personal documents up than the loan application. I like that we can upload it all. The lending process with Homefinity was the perfect experience.

Homefinity response

Thanks for your review! We agree, the market is shifting away from traditional banks with higher rates and long hold times.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 28, 2022

I compared reviews and prices, and Homefinity's rating is 4.9 and the price was one of the lowest. We initiated a call with them and after we asked a couple of questions, we decided to go with them. The response time was great and the process was straightforward. There were no complications. The process took a few months though because of the appraising. The area we purchased is crazy hot, so it was very hard to find an appraiser. The first 45 or more days was waiting for appraisal but the underwriting and other processes were smooth.

Homefinity response

Thank you, and hope you love the new home!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 25, 2022

I got a rate through an online program that compared a lot of rates and Homefinity was one of the better rates so I went with them. Mario was my rep. We had a slight snafu with one of the underwriters and he took it upon himself to make sure everything got taken care of, even though it wasn't his purview. I was 100% comfortable working with the company. The application process was very simple and quick. It took three weeks. Homefinity was excellent. We're getting all of our refinance things taken care of. We were trying to upgrade and make some renovations around the house. We've already started on them.

Homefinity response

Thank you for your business! Hope the renovation project goes very well for you!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 23, 2022

The reps were always responsive and answered all my questions. They were on time anytime I was reaching out to them and the communication was very good. They were very detailed and walked me through the entire process. It's very nerve-racking to get mortgage but Homefinity made it very easy. They explained every step of the way.

Homefinity response

Thanks Renee! We hope you are enjoying the new home!

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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: March 22, 2022

Sometimes the communication with the agent from Homefinity was not very prompt. I had to try to contact him a few times. I was more impressed with the loan closure. Leslie was the one who stepped in and made it happen. When things got stalled, I would communicate with her and she would be quick to respond with very helpful information.

Homefinity response

Hi Susan! Thanks so much for your feedback and conversation today. Leslie is great! Sorry for any gaps in communication, we'll definitely do a quick training with the team. Our goal is to be 1% better every day!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 21, 2022

The rep emailed, called and texted me, all with my permission. He gave me updates on where they were with everything and followed up after we closed even though my mortgage has been sold probably three times. He was fantastic getting us through closing. I’ve bought a home and I've refinanced a few times now. You never know how long it's gonna take but Homefinity worked very quickly. They stayed on top of in terms of communications, gave us timelines and what you can expect. Everything, from first phone call to closing, was maybe 35 days. In terms of ease, we had a notary come to our house because of circumstances. They arranged all that. Everything was seamless and a speedy process, but also very comprehensive and well thought out. If you hadn't done this before, they would certainly take the time to explain to you exactly how the process works and why you're getting charged certain things.

Homefinity response

Thanks for the review Patrick! We definitely focus on communication and being prompt. For servicing, we try to service as many loans as possible, but we have to place some with our servicing partners because of high volume right now. Everything regarding payment/rates/etc will remain unchanged!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 20, 2022

The reps from Homefinity were awesome and it was the easiest homebuying process I've ever had. I had calls with the representative sometimes at 9 o'clock at night his time. He would answer the phone and any questions I had. It was a good experience.

Homefinity response

Thank you for your business! We hope the new home is working out well!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 19, 2022

Homefinity did a wonderful job and it was great working with them. Everybody was nice and got the information processed timely. Everything was good and I was very happy with them. From beginning to end, it was not even four weeks. It was really fast. I got the stuff back to them as soon as they asked for it. I wanted to try to get it done before March 1st. I started at the end of February and I signed my papers on the 23rd. Everything they sent me was clarified. If I had any questions, I called and asked and they answered right away. Everything went smooth. Homefinity is a good company and people should give them a call.

Homefinity response

Wow, that is fast! Thanks so much for your business! Being on top of your paperwork really does help us out, so we have to give you 5 Stars as well!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 18, 2022

When I got ahold of them, it was a very good customer experience. The rep answered my questions and built rapport. They walked me through the experience and how they did it. I was looking for a quick painless process and it went really quick and efficient until it got to underwriting then it slowed down. But we went from mid-December, starting the conversation, looking to homes, to closing on the house in six weeks. Their rates were great. This is the 14th home I've purchased in 20 years and this was by far the best experience.

Homefinity response

Thanks Derek! We work hard to make the process easy!

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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: March 11, 2022

The rep who helped me through the process knew what she was doing. She looked at a number of different alternatives and ran four or five different scenarios. She was really good at what she did and she took the time. There were some glitches along the way that had to do with Homefinity's processing but there wasn't anything that was insurmountable. They just had to get worked out. Other than that, the communication was good. When I needed documents done, they have an app for that and it was easy to do.

Homefinity response

Thanks Randall! Ami is a wonderful loan officer, glad to have her onboard.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 2, 2022

Laura was my loan officer and I was impressed with her willingness to help and her always speedy responses.

Homefinity response

Thanks Mary! We're also grateful to have Laura on the team!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 27, 2022

The communication with Homefinity was great. Cindy and JT were excellent. We ran into some glitches, which were not even kind of in their control. Immediately, my note to my home was sold in the midst of the process from my current lender. So, it transferred ownership. We had to get that straightened. My lender is no longer my lender. So, they had no control over that but that was weird that that happened right in the month that I have to be refinancing. Homefinity's branch processor contacted me. That threw things off. I found myself kind of resubmitting stuff I had already submitted. But everything was explained and I thought they did a wonderful job, and I would definitely go through them again or even recommend Homefinity.

I was happy with the rate, and the terms were wonderful. They were able to offer me some things that other lenders were not able to offer me. It just made it even that much more simplistic for me. Both Cindy and JT were very responsive. Whenever I called JT, he would answer the phone and we would be able to discuss whatever concerns. He's able to answer any concerns that I had or find out what was going on, which happened with one of the delays with the documents signing.

Homefinity response

Hi Erik, we appreciate the review! Yes, sometimes things like that happen mid-process. We just adapt and keep rolling right along!

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Rated with 2 stars
Verified Reviewer Verified Buyer
Original review: Feb. 26, 2022

The process was extremely redundant and it was time-intensive to locate documents that we did not need in a previous refinance. It was quite a bit of effort for us to even submit the proper paperwork. There could be things that are streamlined to make it a bit clearer and more effective. The interface that they use makes uploading documents a little bit difficult to navigate. If I needed to go back in and confirm what was there or make any modifications, it was a bit hard to navigate on the user end. There could be a PDF checklist of the documents needed to obtain for the entire process so that the client can do it all at once rather than going in at various times.

Also, the closing process was the worst experience ever. They use mobile notaries and they are inconsistent with the quality of responsiveness and promptness of arriving at appointments. There was a little bit of headache associated with scheduling, getting the mobile notaries on board, and eventually getting one that was very good after going through two others.

The first time we got together with the notary, the paperwork that we received, which turns out was from Homefinity and not the title companies, only included pages one and two of the actual mortgage out of 18. The mobile notary had another appointment and they had to leave the documents themselves as they were provided. There were a lot of duplicate documents. The only difference was that it was slightly formatted differently. The mobile notary was happy to sort through those on-site rather than only having one copy or a set of copies. But there were two or three copies of some of the documents so deciding what to sign and how many were extremely unclear.

Then, after all of that was done, we ended up having to call and ask for a new copy of the mortgage. We didn't get it the first time and we had to call back. We received it, sent the package in, and there were still documents that weren't signed as a result of that entire process. We had to schedule a second notary. We were supposed to have the closing documents signed mid-day one day and they didn't have the documents. They scheduled it for later that day and they still didn't have the documents. We had to reschedule for a third one.

Homefinity response

Hi Yadeeh, I'm sorry to hear about your scenario and tried to reach out. I'll send you a message privately. While we generally don't run into snags, we always want to hear your feedback and try to avoid this in the future. It does matter to us that we're always improving.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 25, 2022

Homefinity was great and they had the cheapest rates over other lenders. The only issue is I still haven't received my first payment coupon.

Homefinity response

Hi John, thanks for the review! I'll see if we can have the team get that over to you, if they haven't already sent the servicing information.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 24, 2022

It was super easy with Homefinity and everything went flawlessly. The rep who helped me was awesome. I've already told a few people about them.

Homefinity response

Thanks Charles, great borrowers certainly help us get to the finish line quickly!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 18, 2022

They got the best interest rates for me. They were pretty forthright. I had the same interest rate with another company but they had it all on the table for me to where I didn't have any surprises at the closing table, which was the best part. Angela was my senior loan advisor and she was awesome. It was a very personal correspondence or relationship with her. I got her direct line. So if I had questions, it was easy to shoot her texts, and then she would respond. It was a pretty seamless process for me. My experience was an exceptional one, especially given that Homefinity is not even local here in Columbus, Indiana. I would recommend them highly. They’re an awesome company.

Homefinity response

We definitely have some amazing mortgage rates. Thanks for your business!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 17, 2022

Everybody was great, very professional, communicative, informative, answered all my questions, did everything they said they were going to do. I was concerned about the timeline and it was very short. From start to finish, it was within a month, which is way faster than when I did it with my credit union the previous time. That was six months. Their rates were also the lowest.

Homefinity response

We have spent some time polishing our process to make sure it is as smooth as possible. Thank you for the review!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 15, 2022

They were friendly and prompt. They took care of everything pretty quickly. Overall, Homefinity's portal for uploading stuff was relatively easy. The fees that were charged were reasonable or lower than most others.

Homefinity response

Thanks Brian! We try to pass on as much savings as possible!

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Rated with 5 stars
Verified Reviewer
Original review: Feb. 13, 2022

I am so glad I decided to go with Homefinity for my first mortgage! I had the pleasure of working with Brian **, who made the entire home buying process easy and stress free! This was my first time purchasing a home, and I did not use a real estate agent, so I had more questions than most probably do. Brian was so helpful in answering all of my questions, and always got back to me immediately. I'll definitely be reaching out to him when the time comes to purchase my next home. The entire Homefinity team works for you and truly has your best interest in mind, which was not my experience with other mortgage companies I was looking into, before finding Homefinity. I would recommend them to anyone looking at purchasing a home!

Homefinity response

We're also glad you chose us for your first home. Enjoy!

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Homefinity Company Information

Company Name:
Homefinity
Formerly Named:
Home.com by Homefinity
Website:
homefinity.com