Zillow Home Loans Reviews

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Edited by: Tammy Burns

About Zillow Home Loans

Zillow Home Loans, LLC (NMLS #10287) is a lender affiliated with Zillow, the highly popular real estate website. It offers purchase and refinance loans in all states except New York. You can answer a series of questions on the company’s website to learn more about your loan options. Zillow Home Loans is based in Irvine, California.

Pros
  • Conventional and government-backed loans
  • Affiliated with Zillow
Cons
  • May not offer down payment assistance programs
  • Generally does not offer USDA loans
  • Availability varies by state

Zillow Home Loans Reviews

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    How do I know I can trust these reviews about Zillow Home Loans?
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    Page 2 Reviews 10 - 40
    Customer ServiceCoverageTechPriceMaintenanceStaffLoan ProcessTransparencyHonesty & Transparency

    Reviewed June 13, 2023

    The following is my 4th attempt to have my 100% honest review posted on Zillow. Zillow keeps telling me to change something even thought there is nothing to change: Zillow personnel, I have edited this honest, detailed review 4 times. Nothing in it goes against Zillow Guidelines. Nothing. Feels a bit like something is not quite right as it appears that you are protecting a business from an honest review of a consumer. Details need to he exposed for the public to come to their own conclusion. Please either email me and tell me what, exactly, goes against the guidelines, and I'll be glad to fix it, or publish my review. Thanks.

    I found the homes thru Zillow for my husband and I to look at. We sent the addresses to Chrissie in order to see the inside of each one. She was impatient with my husband and in some of them. For instance, I had grown accustomed to having a large country kitchen, and she told me I had to get over it. My husband voiced his concerns about a wooden floor that buckled in an area, and she did not encourage us to investigate the cause of the buckled area by checking the Seller's Disclosure. The same with the blocked off door in the living space family room in case of a fire since there is a wood burning stove in there. She rushed thru the final walk thru.

    Neither the Originator of the loan (Ivan **), nor ** followed repetitive instructions made by my husband and I to have both of our names on the Title and Deed. If you gaped when you read that, so did we at the closing when we saw that my name was missing from the certificate, title and deed! There was absolutely no remorse or spoken apology from Chrissie or the Originator. They both got angry with us at settlement when we called out their huge, costly [toward us] mistake. It was nothing short of a ruined, horrible, stress filled experience.

    Chrissie became angrier when we demanded that she at least add my name to the homeowner's certificate to take home at settlement. She literally threw it at me across the table instead of handing it to me. My husband, Rich, and I had to figure out how to get my name on the title and deed ourselves. No help from Chrissie Barrack.

    My husband is an ** senior citizen that is hearing impaired, and I am a middle aged ** and **. We help one another when it appears that others are attempting to not be fully honest and transparent with us in regard to business transactions. We told Chrissie at the initial meeting of his hearing being impaired, so to please speak loudly. We also shared at the settlement that Rich relies upon me to make sure he hears everything correctly before signing anything or responding vocally. Yet, Chrissie attempted to go thru the paperwork with him separate from me at settlement, and was visibly annoyed when I went over to sit with him as well to be sure he heard everything correctly since our trust in her was not there.

    During the doc signing, Chrissie offered Home Insurance 3 times to which we declined. This appeared to irritate her as well. We called a meeting to speak with the Broker of Berkshire Hathoway at 1444 Baltimore St, Hanover PA 17331 to share our horrible experience with their Agent and vendor/loan originator. We have no idea if any reprimand was done.. What should have been a positive experience, Chrissie made a horrible one. We highly do not recommend Chrissie **.

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    CoveragePricePunctuality & SpeedLoan Process

    Reviewed March 18, 2023

    The process to get the loan (and my business) was quick and easy. Little did I know, they must have done it too fast and screwed up my escrow. They did not put enough money towards it and did not include my flood insurance even though it’s paid through the mortgage. After a year of having the loan, the escrow analysis shows I have such a great shortage that I have to know pay over $1200 a month more for 12 months!! This is fraudulent! I will never do business with Zillow again and recommend you steer clear.

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    Zillow Home Loans
    Response from Zillow Home Loans

    We have responded directly to our borrower. We have provided the documentation showing that Flood Insurance impounds were correctly collected and paid according to the Flood Declaration page provided by her Flood Insurance Carrier prior to closing.

    Sales & Marketing

    Reviewed Jan. 19, 2023

    Zestimate unreliable, affect sale, Dec 16 $85k , Dec 28 $232k, Jan 1 $85k, Jan 3 ,$232k, Jan5 $85k, Jan 10 $232k, Jan 12 $85k, Jan 14 $232k, Jan 16 - 19 $85k. **. Pd $85k in 2017. Zestimate $129k. Contacted Zillow multiple times. Waste of time.

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    Zillow Home Loans
    Response from Zillow Home Loans

    Thank you for taking the time to leave your feedback. We will ensure your feedback is relayed to the appropriate team for resolution.

    Verified purchase
    Punctuality & SpeedStaff

    Reviewed Dec. 14, 2022

    In the entire process of buying a home, Troy ** was by far the most helpful and attentive to any of my questions or needs. I never needed to wait long for him to contact me back about any issues. The entire process was made seamless and easy due to his work.

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    Zillow Home Loans
    Response from Zillow Home Loans

    Exceptional service is our goal, so we love hearing we made the process easy for you. Your feedback is very much appreciated. Thank you for taking the time to tell us!

    Verified purchase
    Punctuality & SpeedStaff

    Reviewed Dec. 12, 2022

    Troy is a very Dedicated employee, always there to answer our questions to make the process smooth as possible. The entire process went very quickly due to Troy’s attention to detail. We would recommend Troy’s services to anyone needing a mortgage.

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    Zillow Home Loans
    Response from Zillow Home Loans

    Exceptional service is our goal, so we love hearing Troy made the process easy for you! Your feedback is very much appreciated. Thank you for taking the time to tell us. We certainly look forward to working with you again and truly appreciate the referrals!

    Verified purchase
    Staff

    Reviewed Oct. 22, 2022

    Mr. ** is the true definition of professionalism. He was very patient with my family and brought our dreams to reality. My overall experience with working with him was phenomenal. He accomplished every task and obstacle thrown at him and guided us in every right direction. I highly recommend him to everyone. He is definitely 10 out of 10.

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    Zillow Home Loans
    Response from Zillow Home Loans

    We value our borrowers and pay attention to their needs. Our goal is to help them in any way we can, making the process easier for them. Thank you for taking the time to tell us!

    Verified purchase
    Staff

    Reviewed Oct. 21, 2022

    Juan ** help me with everything. True the whole process. From beginning to the end on every step of the way every question that I had he answered to me. And he was very clear on everything and professional. I cannot describe everything but he did help me a lot.

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    Zillow Home Loans
    Response from Zillow Home Loans

    Thank you for telling us how we are doing! We value the opportunity to work with you and appreciate your feedback, it means so much to us!

    Verified purchase
    Staff

    Reviewed Aug. 25, 2022

    Phu has been incredibly accommodating and is very knowledgeable. I have come to him with at least a thousand questions and he has answered every single one. Phu has truly gone above and beyond and has earned my business. I did shop around at first and talked to 3 different lenders, but after my experience with Phu the other lenders felt inadequate. Phu is the man!

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    Zillow Home Loans
    Response from Zillow Home Loans

    We strive to surpass our borrowers expectations of excellent Customer Service. Customer feedback enables us to continue providing uncompromised service, thank you for taking the time to tell us!

    Customer ServiceStaff

    Reviewed Aug. 25, 2022

    Great website, and works with ethics and help customers with their needs, their first priority customer satisfaction, their customer Service on point and can direct you with all your needs, they will willing to help with anything.

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    Zillow Home Loans
    Response from Zillow Home Loans

    We love hearing you had such a positive experience with us because providing our borrowers with an amazing experience is always our goal! We value the opportunity to work with you and appreciate your feedback, it means so much to us!

    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed June 24, 2022

    I’m currently in the process of applying for my first loan and have a ton of questions plus I’m super busy. Brianna ** has helped me get all my questions answered and has been flexible enough to accommodate my schedule. She’s been so great to work with!

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    Zillow Home Loans
    Response from Zillow Home Loans

    Providing our borrowers with an amazing experience is our goal each time! Your feedback is critical in continuing to improve upon our successes! Thank you for letting us know we could do that for you!

    Verified purchase
    Staff

    Reviewed June 17, 2022

    Cristina did a great job helping me figure out what it is that I had needed! She gave me whatever information that I had needed and was a great help in helping me figure out what information I needed for a mortgage.

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    Zillow Home Loans
    Response from Zillow Home Loans

    Exceptional service is our goal, so we love hearing we made the process easy for you. Your feedback is very much appreciated. Thank you for taking the time to tell us!

    Verified purchase
    Staff

    Reviewed June 16, 2022

    As someone who was very new to this process as a first time home buyer I really felt like I needed somebody who could show me the ropes and help me better understand the full spectrum of this process. Christina did that and more. Well I didn't find a house in the time frame that I needed. Christina has been undoubtedly the most helpful person I could have found for better understanding this and giving me the confidence to move forward with this in the future. I will certainly come back to Christina in the future when I am in a better position to buy my first home. 10/10.

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    Zillow Home Loans
    Response from Zillow Home Loans

    Hello:

    We understand that home buying can be fraught with overwhelming amounts of information. We are thankful to be part of our borrowers journey, and overjoyed to hear that they had a wonderful experience with Christina. We will definitely recognize her for surpassing our borrowers expectation of service! When they are ready to proceed, they can let us know so that we can partner with them to make it a smooth process! We look forward to working with them in the future to realize their homeowning goals!

    Verified purchase
    Staff

    Reviewed June 15, 2022

    I met Mrs. Cristina ** while doing a home search. She recommended establishing “Pre-approved Financing” with Zillow to get started and explained the entire process to me. She also checked back with me from time to time as I completed the various necessary documents to see if I had any questions or needed assistance with anything. She has a great personality and she’s also both knowledgeable and professional. What a great asset she is to Zillow!

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    Zillow Home Loans
    Response from Zillow Home Loans

    Our borrowers goals of realizing their homeownership dreams, or improving upon those goals in refinancing, are important to us! We want to partner with them in making that come to life! Thank you for letting us know how we are doing, we appreciate the feedback! Welcome to the Zillow Home Loans Family!

    Verified purchase
    Staff

    Reviewed June 15, 2022

    Christina is really a great asset to Zillow! She's very proactive, and works diligently to get things done. She's also very kind, patient, and knowledgeable. I would highly recommend her to any friends, family, and coworkers looking for financing.

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    Zillow Home Loans
    Response from Zillow Home Loans

    Thank you for sharing your experience. At Zillow Home Loans, we're focused on providing exceptional client experience to our customers. Your feedback helps us continually work toward that goal. Welcome to the Zillow Home Loans Family!

    Verified purchase
    Staff

    Reviewed May 12, 2022

    Alessandra ** is awesome, super professional, easy to work with and very knowledgeable. She helped make my home refinance go super smooth. She was always very responsive and timely. Made the process super easy and answered all my question. I would highly recommend her to all my friends and family and definitely looking forward to working with her again in the future.

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    Zillow Home Loans
    Response from Zillow Home Loans

    We appreciate you taking the time to tell us about our services. We are glad to hear that Alessandra provided you with exceptional support during a very important financial process in your life. Zillow Home Loans strives to enhance our borrowers experience each time out the gate! We will definitely recognize Alessandra! We look forward to working with you again in the future!

    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed May 4, 2022

    Alessandra ** is so knowledgeable, so helpful and was extremely patient during my refinance process. I cannot express how much I appreciate all she did to assist me with getting my finances in order and providing recommendations for the best refinance option. She explained the entire process with me and her communication skills are top notch which really made the entire refinance process a pleasant one. I have to mention that after shopping around to refinance, I selected Ally after consulting with multiple other loan officers. She appealed to me because of her knowledge in the mortgage industry and understanding of my situation. Ally has simply changed my life for the better and we look forward to continuing to seek her financial advice in the near future. Thank you Ally and team for all you did. We 100% recommend your services to anyone looking to refinance or obtain a new loan.

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    Zillow Home Loans
    Response from Zillow Home Loans

    We value our borrowers and pay attention to their needs. Our goal is to help them in any way we can, making the process easier on them. Feedback is an essential part of continuing to build on that success. Thank you for taking the time to tell us!

    Verified purchase
    StaffLoan Process

    Reviewed May 3, 2022

    I really can't put into words what an absolute pleasure it was working with Alessandra **. We were a little reluctant to refinance online but she allayed all our fears and walked us through everything step by step. She's incredibly knowledgeable, friendly and considerate, happily addressing all our question with patience and professionalism. She made the whole process so simple it really was unbelievable. We closed in 12 days from my first conversation with her and she was on the ball, explaining all the details and walking us through every step from terms of the loan to how to upload documents. She truly is amazing and we are so happy without experience. If you need a mortgage look no further, Ally is hands down the best. Thanks again Ally!!

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    Zillow Home Loans
    Response from Zillow Home Loans

    Feedback is the core to success of a business! We value information about ways we can continue to improve upon our services. We appreciate the time you took to tell us! Thank you for helping us be the best!

    Verified purchase
    Customer ServiceStaff

    Reviewed May 2, 2022

    I was working with another lender until somebody recommended me to call Alessandra ** and since the 1st time talking with her I realized she was the person to make this closing process easier. Alessandra is very professional, she offered to me a better deal and more personal service. She alerted me to each action I needed to complete via email, text message, and telephone calls. She always return my calls and was able to help me with any question I have.

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    Zillow Home Loans
    Response from Zillow Home Loans

    We are overjoyed to learn that we surpassed your expectations of service! Zillow Home Loans takes pride in knowing that our highly-trained staff is there to guide you through these very important, overwhelming steps of realizing your financial goals. Alessandra will get the recognition she deserves, and thank you for letting us know how we did! We thank you for choosing Zillow Home Loans, and please know we are here anytime you need assistance!

    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed April 21, 2022

    Troy ** helped my wife and I through every step of the process of refinancing my home! He was very personable, professional, and patient with us! This can be a very stressful process but Troy made things go smoothly! He returned calls in a timely manner and addressed all our needs! If you are looking to refinance I highly recommend Troy! You will be very pleased! Troy is truly an asset to Zilliow Loans!

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    Zillow Home Loans
    Response from Zillow Home Loans

    We value our borrowers and pay attention to their needs. Our goal is to help them in any way we can, and make the process easier on them. Feedback is an essential part of continuing to build on that success. Thank you for taking the time to tell us!

    Verified purchase
    Staff

    Reviewed April 20, 2022

    I would like to commend Troy ** on the excellent service he provided in helping me get a refinance on my home!!! He was knowledgeable and very easy to work with! I felt like he was family! He bent over backwards to help and be very understanding with all my concerns! I would highly recommend using him if you are thinking of refinancing!

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    Zillow Home Loans
    Response from Zillow Home Loans

    Exceptional service is accomplished by our focus on the borrowers needs. We pay attention to their goals, and work to surpass their expectations each time. Feedback is an essential part of continuing to build on that success. Thank you for taking the time to tell us!

    Verified purchase
    Customer ServicePunctuality & SpeedHonesty & Transparency

    Reviewed April 20, 2022

    Troy ** is a class act. I’m a very anxious person by nature and even more so with financial matters. Every question I had, and I had a lot, were answered quickly and fully. Anything he didn’t know right away he immediately found the answer and followed up with me. I honestly don’t know how he put up with me. I felt glad to have him on my side and you would too!

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    Zillow Home Loans
    Response from Zillow Home Loans

    Thank you for sharing your excellent experience with Zillow Home Loans! We're so glad to hear Troy was able to guide you through your purchase with the exceptional service we strive to give. Welcome to Zillow Home Loans!

    PriceRates

    Reviewed April 16, 2022

    For some reason my home was on Zillow with price, current Zillow estimate, selling price etc. They have erased my history and all information stating not enough details. I am not allowed to put in any details to get the information back. I can't seem to find any type of anything to contact them to try to get the history back.

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    Zillow Home Loans
    Response from Zillow Home Loans

    Thank you for taking the time to contact us with your concerns! Customer Experience will ensure you are contacted for further assistance as soon as possible.

    BillingLoan ProcessRates

    Reviewed April 11, 2022

    Although Zillow sold our loan to another company, they continued to bill us for the payments. Really incompetent. Too bad, since prior to the closing of the loan, they could not have been more competent and pleasant with which to work. They also provided a great interest rate. It was just after the loan was closed that problems arose.

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    Response from Zillow Home Loans

    Customer Experience, at Zillow Home Loans, will contact the borrower directly regarding their experience to address all their concerns! Thank You!

    Customer ServiceSales & MarketingLoan Process

    Reviewed Jan. 30, 2022

    Warning! Zillow Home Loans appears to be running a bait and switch program! From the get go they promised me a $1500 lender credit at closing. They refused to put it on the loan estimate, but promised, both over email and recorded phone calls, that it would be on my closing disclosure. When it came time to close they refused to honor the credit they had been promising the entire time. When the issue was escalated they stated the issue had come up with several customers and they had made the decision not to honor the credit for any of their customers. Worst part is that they continue to advertise the lender credit to future customers even though they have no intention of honoring it. You can’t trust this company!

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    Response from Zillow Home Loans

    We have received the disputed response from the borrower. As previously advised, in the beginning conversations, the borrower was told erroneously that they qualified for the lender credit. There would have been references to the lender credit in phone calls and emails until the error was discovered. However, after careful review, our licensed lending officer inadvertently misidentified the borrower initially, as being eligible for the promotional coding for the rebate. The licensed lending officer notified the borrower about this issue, and asked if the borrower wanted to proceed. The borrower expressed understanding of the error, and accepted to continue working with Zillow Home Loans. The licensed lending officer spoke with the borrower regarding the goals borrower had in mind. He advised him with the increased loan value, he could get the borrower the maximum cash out of $90,000.00, he explained the rates involved. The borrower chose to proceed with the new terms and close the loan. He signed and passed the rescission period, having full disclosure of the rates and the fact that he was not eligible for the lender credit. The borrower mentioned a break down in communication, however the borrower indicated in calls that he was going to be on a family vacation and closing was requested after he returned from the trip. Management has reviewed the exchanges. No additional recompense is warranted. Thank you for allowing us to review these additional comments and concerns.

    Customer ServicePriceMaintenanceStaffRates

    Reviewed Oct. 4, 2021

    We made an offer owned by Zillow, and they had their own escrow company, and the person in charge was Terry **, Escrow Officer & Dariel **. Escrow Administrator the appraisal was too low, and we asked them to lower the price, but it did not work out, so we canceled the escrow on 09/15. Unfortunately, after almost three weeks, we have not received our earnest money, and they are not responding to emails or calls of my agent or us. I will never ever deal with Zillow or affiliate companies.

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    Response from Zillow Home Loans

    Zillow Home Loans is actively reaching out and resolving the matter directly with the borrower.

    PricePunctuality & Speed

    Reviewed Sept. 1, 2021

    Purchased a home through Zillow. After one day we noticed the lights blink on and off. Electrician then states, the fuse box is outdated. House was built in 1977 thus the new washing machine, dryer, new stove and new refrigerator was too much for the old fuses. Zillow inspected the house, our realtor had an inspection done. NOONE stated that the fuses were outdated and not in code....(was told YOU should have had an inspection by an electrician...umm duhhh). So after paying to get the major fuse replaced and willing to replace other fuses later. Now the next expense is the meter base, it is only 100wts and must be replaced per the electric comp. Well I guess so, because my meter cannot handle the upgrades. Contacted Zillow and was told tough luck buddy. House was sold as-is. As a buyer who knew to look at the fuses and to upgrade the amp on your meter pricey lessons. It makes you want to cuss out every one of these people who sell but keep the knowledge that can assist you in making a better decision.

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    Response from Zillow Home Loans

    Zillow Home Loans is committed to providing uncompromised Customer Service to all our borrowers! We appreciate the borrower's feedback, and will be contacting them directly to resolve any issues or concerns. Thank you!

    Sincerely,

    Customer Experience

    Zillow Home Loans

    Customer ServiceOnline & AppStaffLoan Process

    Reviewed Aug. 1, 2021

    I had no idea Zillow offered home loans but I'm sure glad I found out! This was my first experience refinancing my home loan and Zillow's staff was outstanding!

    At each and every step in the process I was impressed: from the initial call that resulted immediately after I completed the simple form online; to the knowledgeable, friendly, and non-pressure approach Loan Officer, John "JT" **, provided; to the ease of required documentation by Loan Processor, Tiffany **; and finally the document signing was a notary right to my doorstep! Every question was answered by the incredible staff, the whole process from first call to completion took 21 days!

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    Response from Zillow Home Loans

    Thank you for taking the time to leave a review Ericka. We're so happy to hear JT and Tiffany were able to take meet your needs with care and efficiency! Welcome to the Zillow Home Loans family!

    Staff

    Reviewed July 28, 2021

    The refi process was painless from appraisal to the cash back at the close of the refi. I felt like I was not bothered by the agent handling it and that they did most of the work not me. I didn't really have time to do this but I made time because they made it easy and the advent of taking cash out at close was attractive with kids starting college next year.

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    Response from Zillow Home Loans

    Welcome to the Zillow Home Loans family! We're happy to hear that your experience was exceptional and we were able to take care of your needs.

    Customer ServiceTechBillingLoan Process

    Reviewed July 20, 2021

    Zillow Home Loans sold my mortgage 2 months after the refinance. I started to pay the new lender the monthly payments. Zillow then contacts me and tells me that I owe them for two months of payments which I had already paid. I tried getting it cleared up but kept getting the same run around. I finally contacted the Better Business Bureau to assist and I received a response from Zillow that it was their fault and they would clear it up.

    After 7 months of dealing with this, I just received a letter in the mail stating that now I owe them $10,000 and they will be foreclosing on the property. They are so disorganized that they have told me numerous times that I need to pay the full amount so that they can turn my loan over to the new provider which I have already been paying payments to for the last 5 months. I have bought a lot of houses in my life and refinanced some as well and this is by far the absolute worst experience I have ever had and don't recommend them to anyone!!!! Horrible company and horrible customer service.

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    Response from Zillow Home Loans

    Thank you for taking the time to leave feedback Melvin. We have closely reviewed your concerns and are addressing them internally. If you would like to discuss any additional concerns, please contact our Customer Experience Team ZHLCustomerExperience@zillowhomeloans.com

    Punctuality & SpeedStaff

    Reviewed July 13, 2021

    Raquel ** was knowledgeable and helpful. She was very speedy and helped in a timely manner. She always answered questions. Raquel made sure that I knew how to answer documents and that I understood what I was signing.

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    Zillow Home Loans Company Information

    Company Name:
    Zillow Home Loans
    Company Type:
    Public
    Formerly Named:
    Mortgage Lenders of America, L.L.C.
    Address:
    10975 El Monte St.
    City:
    Overland Park
    State/Province:
    KS
    Postal Code:
    66211
    Country:
    United States
    Website:
    www.zillowhomeloans.com