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Written by Lorraine Roberte
Edited by Jon Bortin

About LoanSnap

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LoanSnap is a mortgage lender specializing in what it calls “smart loans,” or loans that factor in your other monthly bills and find you ways to save. People in 30 states can use LoanSnap to get a mortgage, refinance loan or home equity line of credit. LoanSnap is based in Costa Mesa, California, and helped customers save over $80 million in 2021, according to the company.


  • Multiple types of loans
  • Guidance from experts
  • Covers single-family homes and condos


  • Not available in all states
  • Limited information online

Bottom Line

LoanSnap offers mortgage loans, refinancing loans and home equity lines of credit in 30 states. It specializes in smart loans, which consider your whole financial picture to help you save. Get started online or by calling.

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Looking to refinance your mortgage?

See which lender is best for you!

View Rates

What is LoanSnap?

LoanSnap is a mortgage lending company based in Orange County, California. It specializes in smart loans, which it describes as a type of home loan that takes into account your entire financial situation and saves you money. LoanSnap offers mortgage loans, refinancing loans and home equity lines of credit. It is currently available in 30 states.

How does LoanSnap work?

You can get started with LoanSnap online or over the phone. You start by answering some questions so the company can understand your current financial situation. It then presents you with mortgage, refinance and HELOC options that fit your needs and can help save you money. Once you choose a loan, the company guides you through the process and provides updates. Loan funding takes from one to eight business days.

LoanSnap products

LoanSnap has smart loans for mortgages, refinancing and HELOCs:

  • Mortgage: LoanSnap’s mortgage loans include FHA loans, VA loans and nonconforming loans. Once you get preapproved, you can use the preapproval letter from LoanSnap to demonstrate your borrowing ability to a home seller.
  • Refinancing: LoanSnap offers two types of refinancing. A standard refinance allows you to replace your current mortgage with one that lowers your monthly payment. A cash-out refinance lets you unlock your home equity and use the cash to pay down credit card debt or for another purpose.
  • HELOC: A home equity line of credit is a line of credit that functions similarly to a credit card, except that it’s secured by your home. It gives you financial flexibility to, for example, renovate your home or pay off credit card debt, while you only pay interest on the amount you borrow.

LoanSnap rates

LoanSnap doesn’t publish rate or fee information on its website. In order to find out your personal rate from LoanSnap, you need to apply online or over the phone. With its smart loans, LoanSnap promises to show you not just the cost of your loan but also a clear view of your financial situation and how you can save money.

LoanSnap FAQ

Where is LoanSnap available?
LoanSnap is available in 30 states at the time of publishing:
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Louisiana
  • Maryland
  • Michigan
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Washington
  • Wisconsin
What types of homes does LoanSnap cover?
LoanSnap currently covers single-family homes and condos. It doesn’t cover mobile homes or commercial properties.
What type of loans does LoanSnap offer?
LoanSnap offers mortgage loans, mortgage refinance loans and HELOCs.
How long does it take to receive funds from LoanSnap?
It can take between one and eight days to receive funds from LoanSnap. Mailed checks usually take three to eight days, while wire transfers take between one and three days.

Is LoanSnap legit?

LoanSnap is a legitimate option for mortgage lending services. The company’s smart loans consider your whole financial picture to save you money overall, going beyond just interest rate. It’s not available in all states, but the company states it is still expanding. Overall, we recommend looking at LoanSnap’s offers as you compare lenders for your mortgage, refinance or HELOC needs.

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