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Reach out to multiple lenders to see how much you could save. It pays to compare your options.
at Better
at Better
Min. Credit Score
620
Min. down payment
3%
Pros
- An online process with human help as needed.
- Makes it easy to see customized mortgage rates.
- Offers an "underwriter reviewed" preapproval letter in as little as 24 hours.
- Appraisal guarantee promises the loan won’t change even if appraisal is lower than expected.
Cons
- Doesn't offer home equity loans or HELOCs.
- Doesn't do VA or USDA loans.
- Appraisal guarantee is limited to borrowers who use Better real estate agents.
Pros
- An online process with human help as needed.
- Makes it easy to see customized mortgage rates.
- Offers an "underwriter reviewed" preapproval letter in as little as 24 hours.
- Appraisal guarantee promises the loan won’t change even if appraisal is lower than expected.
Cons
- Doesn't offer home equity loans or HELOCs.
- Doesn't do VA or USDA loans.
- Appraisal guarantee is limited to borrowers who use Better real estate agents.
Min. Credit Score
620
Min. down payment
3%
Pros
- An online process with human help as needed.
- Makes it easy to see customized mortgage rates.
- Offers an "underwriter reviewed" preapproval letter in as little as 24 hours.
- Appraisal guarantee promises the loan won’t change even if appraisal is lower than expected.
Cons
- Doesn't offer home equity loans or HELOCs.
- Doesn't do VA or USDA loans.
- Appraisal guarantee is limited to borrowers who use Better real estate agents.
Pros
- An online process with human help as needed.
- Makes it easy to see customized mortgage rates.
- Offers an "underwriter reviewed" preapproval letter in as little as 24 hours.
- Appraisal guarantee promises the loan won’t change even if appraisal is lower than expected.
Cons
- Doesn't offer home equity loans or HELOCs.
- Doesn't do VA or USDA loans.
- Appraisal guarantee is limited to borrowers who use Better real estate agents.
Min. Credit Score
620
Min. down payment
3%
Pros
- An online process with human help as needed.
- Makes it easy to see customized mortgage rates.
- Offers an "underwriter reviewed" preapproval letter in as little as 24 hours.
- Appraisal guarantee promises the loan won’t change even if appraisal is lower than expected.
Cons
- Doesn't offer home equity loans or HELOCs.
- Doesn't do VA or USDA loans.
- Appraisal guarantee is limited to borrowers who use Better real estate agents.
Pros
- An online process with human help as needed.
- Makes it easy to see customized mortgage rates.
- Offers an "underwriter reviewed" preapproval letter in as little as 24 hours.
- Appraisal guarantee promises the loan won’t change even if appraisal is lower than expected.
Cons
- Doesn't offer home equity loans or HELOCs.
- Doesn't do VA or USDA loans.
- Appraisal guarantee is limited to borrowers who use Better real estate agents.
at Rocket Mortgage, LLC
at Rocket Mortgage, LLC
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.
at New American Funding
at New American Funding
Min. Credit Score
620
Min. down payment
3%
Pros
- Uses manual underwriting to evaluate creditworthiness, in some cases.
- Offers full online mortgage application, rate quotes, document upload and loan tracking.
Cons
- Mortgage origination fees tend to be on the high end, according to the latest federal data.
Pros
- Uses manual underwriting to evaluate creditworthiness, in some cases.
- Offers full online mortgage application, rate quotes, document upload and loan tracking.
Cons
- Mortgage origination fees tend to be on the high end, according to the latest federal data.
Min. Credit Score
620
Min. down payment
3%
Pros
- Uses manual underwriting to evaluate creditworthiness, in some cases.
- Offers full online mortgage application, rate quotes, document upload and loan tracking.
Cons
- Mortgage origination fees tend to be on the high end, according to the latest federal data.
Pros
- Uses manual underwriting to evaluate creditworthiness, in some cases.
- Offers full online mortgage application, rate quotes, document upload and loan tracking.
Cons
- Mortgage origination fees tend to be on the high end, according to the latest federal data.
Min. Credit Score
620
Min. down payment
3%
Pros
- Uses manual underwriting to evaluate creditworthiness, in some cases.
- Offers full online mortgage application, rate quotes, document upload and loan tracking.
Cons
- Mortgage origination fees tend to be on the high end, according to the latest federal data.
Pros
- Uses manual underwriting to evaluate creditworthiness, in some cases.
- Offers full online mortgage application, rate quotes, document upload and loan tracking.
Cons
- Mortgage origination fees tend to be on the high end, according to the latest federal data.
at Quicken Loans
at Quicken Loans
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.
at NASB
at NASB
Min. Credit Score
620
Min. down payment
3%
Pros
- Offers competitive rates and origination fees.
- Considers nontraditional income sources, in some cases.
Cons
- Does not offer home improvement mortgages.
- Doesn't offer home equity loans and lines of credit.
Pros
- Offers competitive rates and origination fees.
- Considers nontraditional income sources, in some cases.
Cons
- Does not offer home improvement mortgages.
- Doesn't offer home equity loans and lines of credit.
Min. Credit Score
620
Min. down payment
3%
Pros
- Offers competitive rates and origination fees.
- Considers nontraditional income sources, in some cases.
Cons
- Does not offer home improvement mortgages.
- Doesn't offer home equity loans and lines of credit.
Pros
- Offers competitive rates and origination fees.
- Considers nontraditional income sources, in some cases.
Cons
- Does not offer home improvement mortgages.
- Doesn't offer home equity loans and lines of credit.
Min. Credit Score
620
Min. down payment
3%
Pros
- Offers competitive rates and origination fees.
- Considers nontraditional income sources, in some cases.
Cons
- Does not offer home improvement mortgages.
- Doesn't offer home equity loans and lines of credit.
Pros
- Offers competitive rates and origination fees.
- Considers nontraditional income sources, in some cases.
Cons
- Does not offer home improvement mortgages.
- Doesn't offer home equity loans and lines of credit.
at NBKC
at NBKC
Min. Credit Score
620
Min. down payment
3%
Pros
- Extends full online capabilities, from application to loan tracking.
- Displays customized rates, with fee estimates, without requiring contact information.
Cons
- Equity lines and construction loans are available only in the Kansas City metro area.
- Doesn’t offer renovation loans.
Pros
- Extends full online capabilities, from application to loan tracking.
- Displays customized rates, with fee estimates, without requiring contact information.
Cons
- Equity lines and construction loans are available only in the Kansas City metro area.
- Doesn’t offer renovation loans.
Min. Credit Score
620
Min. down payment
3%
Pros
- Extends full online capabilities, from application to loan tracking.
- Displays customized rates, with fee estimates, without requiring contact information.
Cons
- Equity lines and construction loans are available only in the Kansas City metro area.
- Doesn’t offer renovation loans.
Pros
- Extends full online capabilities, from application to loan tracking.
- Displays customized rates, with fee estimates, without requiring contact information.
Cons
- Equity lines and construction loans are available only in the Kansas City metro area.
- Doesn’t offer renovation loans.
Min. Credit Score
620
Min. down payment
3%
Pros
- Extends full online capabilities, from application to loan tracking.
- Displays customized rates, with fee estimates, without requiring contact information.
Cons
- Equity lines and construction loans are available only in the Kansas City metro area.
- Doesn’t offer renovation loans.
Pros
- Extends full online capabilities, from application to loan tracking.
- Displays customized rates, with fee estimates, without requiring contact information.
Cons
- Equity lines and construction loans are available only in the Kansas City metro area.
- Doesn’t offer renovation loans.
at Guaranteed Rate
at Guaranteed Rate
Min. Credit Score
620
Min. down payment
3%
Pros
- Offers the ability to securely upload and digitally sign loan documents.
- Displays detailed sample rates for many of its loan products.
Cons
- Doesn't offer home equity loans or lines of credit.
Pros
- Offers the ability to securely upload and digitally sign loan documents.
- Displays detailed sample rates for many of its loan products.
Cons
- Doesn't offer home equity loans or lines of credit.
Min. Credit Score
620
Min. down payment
3%
Pros
- Offers the ability to securely upload and digitally sign loan documents.
- Displays detailed sample rates for many of its loan products.
Cons
- Doesn't offer home equity loans or lines of credit.
Pros
- Offers the ability to securely upload and digitally sign loan documents.
- Displays detailed sample rates for many of its loan products.
Cons
- Doesn't offer home equity loans or lines of credit.
Min. Credit Score
620
Min. down payment
3%
Pros
- Offers the ability to securely upload and digitally sign loan documents.
- Displays detailed sample rates for many of its loan products.
Cons
- Doesn't offer home equity loans or lines of credit.
Pros
- Offers the ability to securely upload and digitally sign loan documents.
- Displays detailed sample rates for many of its loan products.
Cons
- Doesn't offer home equity loans or lines of credit.
at Chase
at Chase
Min. Credit Score
620
Min. down payment
3%
Pros
- Allows electronic submission and tracking of loan documents.
- Carries a wide variety of mortgage types and products.
- Generally offers competitive rates, according to the latest data.
Cons
- Doesn't offer home improvement loans, such as FHA 203(k) and HomeStyle.
- You have to speak with a home loan adviser to complete the application.
- Home equity lines of credit (HELOC) are currently unavailable.
Pros
- Allows electronic submission and tracking of loan documents.
- Carries a wide variety of mortgage types and products.
- Generally offers competitive rates, according to the latest data.
Cons
- Doesn't offer home improvement loans, such as FHA 203(k) and HomeStyle.
- You have to speak with a home loan adviser to complete the application.
- Home equity lines of credit (HELOC) are currently unavailable.
Min. Credit Score
620
Min. down payment
3%
Pros
- Allows electronic submission and tracking of loan documents.
- Carries a wide variety of mortgage types and products.
- Generally offers competitive rates, according to the latest data.
Cons
- Doesn't offer home improvement loans, such as FHA 203(k) and HomeStyle.
- You have to speak with a home loan adviser to complete the application.
- Home equity lines of credit (HELOC) are currently unavailable.
Pros
- Allows electronic submission and tracking of loan documents.
- Carries a wide variety of mortgage types and products.
- Generally offers competitive rates, according to the latest data.
Cons
- Doesn't offer home improvement loans, such as FHA 203(k) and HomeStyle.
- You have to speak with a home loan adviser to complete the application.
- Home equity lines of credit (HELOC) are currently unavailable.
Min. Credit Score
620
Min. down payment
3%
Pros
- Allows electronic submission and tracking of loan documents.
- Carries a wide variety of mortgage types and products.
- Generally offers competitive rates, according to the latest data.
Cons
- Doesn't offer home improvement loans, such as FHA 203(k) and HomeStyle.
- You have to speak with a home loan adviser to complete the application.
- Home equity lines of credit (HELOC) are currently unavailable.
Pros
- Allows electronic submission and tracking of loan documents.
- Carries a wide variety of mortgage types and products.
- Generally offers competitive rates, according to the latest data.
Cons
- Doesn't offer home improvement loans, such as FHA 203(k) and HomeStyle.
- You have to speak with a home loan adviser to complete the application.
- Home equity lines of credit (HELOC) are currently unavailable.
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.
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