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Compare mortgage lenders
Reach out to multiple lenders to see how much you could save. It pays to compare your options.
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at Better
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at Better
Min. Credit Score
620
Min. down payment
3%
Pros
- Borrowers can apply, lock in a rate and receive a commitment letter within one day.
- Offers both HELOCs and home equity loans with a high borrowing limit of 90% CLTV.
- Offers mortgages for manufactured homes, as well as financing for self-employed borrowers.
Cons
- No mobile app; customer service is by email or phone only.
- Borrower must provide contact information to see customized rates.
- Does not offer renovation or construction loans.
Pros
- Borrowers can apply, lock in a rate and receive a commitment letter within one day.
- Offers both HELOCs and home equity loans with a high borrowing limit of 90% CLTV.
- Offers mortgages for manufactured homes, as well as financing for self-employed borrowers.
Cons
- No mobile app; customer service is by email or phone only.
- Borrower must provide contact information to see customized rates.
- Does not offer renovation or construction loans.
Min. Credit Score
620
Min. down payment
3%
Pros
- Borrowers can apply, lock in a rate and receive a commitment letter within one day.
- Offers both HELOCs and home equity loans with a high borrowing limit of 90% CLTV.
- Offers mortgages for manufactured homes, as well as financing for self-employed borrowers.
Cons
- No mobile app; customer service is by email or phone only.
- Borrower must provide contact information to see customized rates.
- Does not offer renovation or construction loans.
Pros
- Borrowers can apply, lock in a rate and receive a commitment letter within one day.
- Offers both HELOCs and home equity loans with a high borrowing limit of 90% CLTV.
- Offers mortgages for manufactured homes, as well as financing for self-employed borrowers.
Cons
- No mobile app; customer service is by email or phone only.
- Borrower must provide contact information to see customized rates.
- Does not offer renovation or construction loans.
Min. Credit Score
620
Min. down payment
3%
Pros
- Borrowers can apply, lock in a rate and receive a commitment letter within one day.
- Offers both HELOCs and home equity loans with a high borrowing limit of 90% CLTV.
- Offers mortgages for manufactured homes, as well as financing for self-employed borrowers.
Cons
- No mobile app; customer service is by email or phone only.
- Borrower must provide contact information to see customized rates.
- Does not offer renovation or construction loans.
Pros
- Borrowers can apply, lock in a rate and receive a commitment letter within one day.
- Offers both HELOCs and home equity loans with a high borrowing limit of 90% CLTV.
- Offers mortgages for manufactured homes, as well as financing for self-employed borrowers.
Cons
- No mobile app; customer service is by email or phone only.
- Borrower must provide contact information to see customized rates.
- Does not offer renovation or construction loans.
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at Rocket Mortgage, LLC
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at Rocket Mortgage, LLC
Min. Credit Score
620
Min. down payment
1%
Pros
- Reported average time to close is 15 days faster than industry average.
- FHA and VA loans make up 40% of Rocket Mortgage’s total loan volume.
- Borrowers can apply via mobile app.
Cons
- Origination fees are on the higher end, according to the latest federal data.
- No construction or renovation loans.
- Physical branches are only available in Detroit, Cleveland, and Phoenix.
Pros
- Reported average time to close is 15 days faster than industry average.
- FHA and VA loans make up 40% of Rocket Mortgage’s total loan volume.
- Borrowers can apply via mobile app.
Cons
- Origination fees are on the higher end, according to the latest federal data.
- No construction or renovation loans.
- Physical branches are only available in Detroit, Cleveland, and Phoenix.
Min. Credit Score
620
Min. down payment
1%
Pros
- Reported average time to close is 15 days faster than industry average.
- FHA and VA loans make up 40% of Rocket Mortgage’s total loan volume.
- Borrowers can apply via mobile app.
Cons
- Origination fees are on the higher end, according to the latest federal data.
- No construction or renovation loans.
- Physical branches are only available in Detroit, Cleveland, and Phoenix.
Pros
- Reported average time to close is 15 days faster than industry average.
- FHA and VA loans make up 40% of Rocket Mortgage’s total loan volume.
- Borrowers can apply via mobile app.
Cons
- Origination fees are on the higher end, according to the latest federal data.
- No construction or renovation loans.
- Physical branches are only available in Detroit, Cleveland, and Phoenix.
Min. Credit Score
620
Min. down payment
1%
Pros
- Reported average time to close is 15 days faster than industry average.
- FHA and VA loans make up 40% of Rocket Mortgage’s total loan volume.
- Borrowers can apply via mobile app.
Cons
- Origination fees are on the higher end, according to the latest federal data.
- No construction or renovation loans.
- Physical branches are only available in Detroit, Cleveland, and Phoenix.
Pros
- Reported average time to close is 15 days faster than industry average.
- FHA and VA loans make up 40% of Rocket Mortgage’s total loan volume.
- Borrowers can apply via mobile app.
Cons
- Origination fees are on the higher end, according to the latest federal data.
- No construction or renovation loans.
- Physical branches are only available in Detroit, Cleveland, and Phoenix.
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at New American Funding
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at New American Funding
Min. Credit Score
580
Min. down payment
3%
Pros
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
Cons
- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
Pros
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
Cons
- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
Min. Credit Score
580
Min. down payment
3%
Pros
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
Cons
- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
Pros
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
Cons
- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
Min. Credit Score
580
Min. down payment
3%
Pros
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
Cons
- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
Pros
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
Cons
- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
Min. Credit Score
620
Min. down payment
3%
Pros
- Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.
- Estimates the loan amount you’ll qualify for within minutes.
- Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.
Cons
- Getting a customized interest rate requires a credit check, which can affect your credit score.
- Doesn't offer home equity loans or lines of credit.
- Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.
Pros
- Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.
- Estimates the loan amount you’ll qualify for within minutes.
- Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.
Cons
- Getting a customized interest rate requires a credit check, which can affect your credit score.
- Doesn't offer home equity loans or lines of credit.
- Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.
Min. Credit Score
620
Min. down payment
3%
Pros
- Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.
- Estimates the loan amount you’ll qualify for within minutes.
- Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.
Cons
- Getting a customized interest rate requires a credit check, which can affect your credit score.
- Doesn't offer home equity loans or lines of credit.
- Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.
Pros
- Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.
- Estimates the loan amount you’ll qualify for within minutes.
- Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.
Cons
- Getting a customized interest rate requires a credit check, which can affect your credit score.
- Doesn't offer home equity loans or lines of credit.
- Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.
Min. Credit Score
620
Min. down payment
3%
Pros
- Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.
- Estimates the loan amount you’ll qualify for within minutes.
- Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.
Cons
- Getting a customized interest rate requires a credit check, which can affect your credit score.
- Doesn't offer home equity loans or lines of credit.
- Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.
Pros
- Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.
- Estimates the loan amount you’ll qualify for within minutes.
- Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.
Cons
- Getting a customized interest rate requires a credit check, which can affect your credit score.
- Doesn't offer home equity loans or lines of credit.
- Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.
Min. Credit Score
620
Min. down payment
3%
Pros
- Sample mortgage rates are customizable.
- Offers nontraditional mortgage products that may be difficult to find elsewhere, such as 1099 loans and bank statement loans for self-employed borrowers.
Cons
- NASB has limited the scale of its conventional and government loan lending.
- Branch locations are limited to the greater Kansas City, Missouri area.
- Does not offer home equity products, renovation loans or construction loans.
Pros
- Sample mortgage rates are customizable.
- Offers nontraditional mortgage products that may be difficult to find elsewhere, such as 1099 loans and bank statement loans for self-employed borrowers.
Cons
- NASB has limited the scale of its conventional and government loan lending.
- Branch locations are limited to the greater Kansas City, Missouri area.
- Does not offer home equity products, renovation loans or construction loans.
Min. Credit Score
620
Min. down payment
3%
Pros
- Sample mortgage rates are customizable.
- Offers nontraditional mortgage products that may be difficult to find elsewhere, such as 1099 loans and bank statement loans for self-employed borrowers.
Cons
- NASB has limited the scale of its conventional and government loan lending.
- Branch locations are limited to the greater Kansas City, Missouri area.
- Does not offer home equity products, renovation loans or construction loans.
Pros
- Sample mortgage rates are customizable.
- Offers nontraditional mortgage products that may be difficult to find elsewhere, such as 1099 loans and bank statement loans for self-employed borrowers.
Cons
- NASB has limited the scale of its conventional and government loan lending.
- Branch locations are limited to the greater Kansas City, Missouri area.
- Does not offer home equity products, renovation loans or construction loans.
Min. Credit Score
620
Min. down payment
3%
Pros
- Sample mortgage rates are customizable.
- Offers nontraditional mortgage products that may be difficult to find elsewhere, such as 1099 loans and bank statement loans for self-employed borrowers.
Cons
- NASB has limited the scale of its conventional and government loan lending.
- Branch locations are limited to the greater Kansas City, Missouri area.
- Does not offer home equity products, renovation loans or construction loans.
Pros
- Sample mortgage rates are customizable.
- Offers nontraditional mortgage products that may be difficult to find elsewhere, such as 1099 loans and bank statement loans for self-employed borrowers.
Cons
- NASB has limited the scale of its conventional and government loan lending.
- Branch locations are limited to the greater Kansas City, Missouri area.
- Does not offer home equity products, renovation loans or construction loans.
Learn More
at NBKC
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at NBKC
Min. Credit Score
620
Min. down payment
3%
Pros
- Mortgage rates are on the low side compared to other lenders, according to the latest federal data.
- VA loans represent more than a quarter of purchase volume, a larger share than many lenders NerdWallet reviews.
- Offers a variety of loan types for purchase and refinance, including fixed- and adjustable-rate loans and government options.
Cons
- You’ll need to share contact information to see mortgage rates.
- HELOCs and no-down-payment loans are available only in the Kansas City metro area.
- Mobile app focuses on online banking, not mortgages.
Pros
- Mortgage rates are on the low side compared to other lenders, according to the latest federal data.
- VA loans represent more than a quarter of purchase volume, a larger share than many lenders NerdWallet reviews.
- Offers a variety of loan types for purchase and refinance, including fixed- and adjustable-rate loans and government options.
Cons
- You’ll need to share contact information to see mortgage rates.
- HELOCs and no-down-payment loans are available only in the Kansas City metro area.
- Mobile app focuses on online banking, not mortgages.
Min. Credit Score
620
Min. down payment
3%
Pros
- Mortgage rates are on the low side compared to other lenders, according to the latest federal data.
- VA loans represent more than a quarter of purchase volume, a larger share than many lenders NerdWallet reviews.
- Offers a variety of loan types for purchase and refinance, including fixed- and adjustable-rate loans and government options.
Cons
- You’ll need to share contact information to see mortgage rates.
- HELOCs and no-down-payment loans are available only in the Kansas City metro area.
- Mobile app focuses on online banking, not mortgages.
Pros
- Mortgage rates are on the low side compared to other lenders, according to the latest federal data.
- VA loans represent more than a quarter of purchase volume, a larger share than many lenders NerdWallet reviews.
- Offers a variety of loan types for purchase and refinance, including fixed- and adjustable-rate loans and government options.
Cons
- You’ll need to share contact information to see mortgage rates.
- HELOCs and no-down-payment loans are available only in the Kansas City metro area.
- Mobile app focuses on online banking, not mortgages.
Min. Credit Score
620
Min. down payment
3%
Pros
- Mortgage rates are on the low side compared to other lenders, according to the latest federal data.
- VA loans represent more than a quarter of purchase volume, a larger share than many lenders NerdWallet reviews.
- Offers a variety of loan types for purchase and refinance, including fixed- and adjustable-rate loans and government options.
Cons
- You’ll need to share contact information to see mortgage rates.
- HELOCs and no-down-payment loans are available only in the Kansas City metro area.
- Mobile app focuses on online banking, not mortgages.
Pros
- Mortgage rates are on the low side compared to other lenders, according to the latest federal data.
- VA loans represent more than a quarter of purchase volume, a larger share than many lenders NerdWallet reviews.
- Offers a variety of loan types for purchase and refinance, including fixed- and adjustable-rate loans and government options.
Cons
- You’ll need to share contact information to see mortgage rates.
- HELOCs and no-down-payment loans are available only in the Kansas City metro area.
- Mobile app focuses on online banking, not mortgages.
Learn More
at Rate
Learn More
at Rate
Min. Credit Score
620
Min. down payment
3%
Pros
- Fully underwritten mortgage approval in as little as one day for qualified borrowers.
- Generous selection of loans, including government-backed, interest-only, jumbo and renovation.
- Advertises a HELOC that can be funded in as few as five business days.
Cons
- Origination fees are on the high side, according to the latest federal data.
- HELOC requires immediate, full withdrawal of funds.
Pros
- Fully underwritten mortgage approval in as little as one day for qualified borrowers.
- Generous selection of loans, including government-backed, interest-only, jumbo and renovation.
- Advertises a HELOC that can be funded in as few as five business days.
Cons
- Origination fees are on the high side, according to the latest federal data.
- HELOC requires immediate, full withdrawal of funds.
Min. Credit Score
620
Min. down payment
3%
Pros
- Fully underwritten mortgage approval in as little as one day for qualified borrowers.
- Generous selection of loans, including government-backed, interest-only, jumbo and renovation.
- Advertises a HELOC that can be funded in as few as five business days.
Cons
- Origination fees are on the high side, according to the latest federal data.
- HELOC requires immediate, full withdrawal of funds.
Pros
- Fully underwritten mortgage approval in as little as one day for qualified borrowers.
- Generous selection of loans, including government-backed, interest-only, jumbo and renovation.
- Advertises a HELOC that can be funded in as few as five business days.
Cons
- Origination fees are on the high side, according to the latest federal data.
- HELOC requires immediate, full withdrawal of funds.
Min. Credit Score
620
Min. down payment
3%
Pros
- Fully underwritten mortgage approval in as little as one day for qualified borrowers.
- Generous selection of loans, including government-backed, interest-only, jumbo and renovation.
- Advertises a HELOC that can be funded in as few as five business days.
Cons
- Origination fees are on the high side, according to the latest federal data.
- HELOC requires immediate, full withdrawal of funds.
Pros
- Fully underwritten mortgage approval in as little as one day for qualified borrowers.
- Generous selection of loans, including government-backed, interest-only, jumbo and renovation.
- Advertises a HELOC that can be funded in as few as five business days.
Cons
- Origination fees are on the high side, according to the latest federal data.
- HELOC requires immediate, full withdrawal of funds.
Min. Credit Score
620
Min. down payment
3%
Pros
- Offers two loans with 3% down payment minimums.
- Home buyer grants up to $7,500 may apply for qualifying borrowers.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
Cons
- Borrowers must speak with a home loan expert before completing an online application.
- No online live chat feature, and in-person services vary by branch location.
Pros
- Offers two loans with 3% down payment minimums.
- Home buyer grants up to $7,500 may apply for qualifying borrowers.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
Cons
- Borrowers must speak with a home loan expert before completing an online application.
- No online live chat feature, and in-person services vary by branch location.
Min. Credit Score
620
Min. down payment
3%
Pros
- Offers two loans with 3% down payment minimums.
- Home buyer grants up to $7,500 may apply for qualifying borrowers.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
Cons
- Borrowers must speak with a home loan expert before completing an online application.
- No online live chat feature, and in-person services vary by branch location.
Pros
- Offers two loans with 3% down payment minimums.
- Home buyer grants up to $7,500 may apply for qualifying borrowers.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
Cons
- Borrowers must speak with a home loan expert before completing an online application.
- No online live chat feature, and in-person services vary by branch location.
Min. Credit Score
620
Min. down payment
3%
Pros
- Offers two loans with 3% down payment minimums.
- Home buyer grants up to $7,500 may apply for qualifying borrowers.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
Cons
- Borrowers must speak with a home loan expert before completing an online application.
- No online live chat feature, and in-person services vary by branch location.
Pros
- Offers two loans with 3% down payment minimums.
- Home buyer grants up to $7,500 may apply for qualifying borrowers.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
Cons
- Borrowers must speak with a home loan expert before completing an online application.
- No online live chat feature, and in-person services vary by branch location.
Get quotes from multiple lenders
Rating methodology:
NerdWallet’s star ratings for mortgage lenders are awarded based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
A little about us
At NerdWallet, we offer straightforward info and tools to help you make the best possible financial decisions. All for free.
So how do we make money? In most cases, when someone applies or gets approved for a financial product we get paid. But that doesn’t sway our opinions.