Applied Filters: Good (720-739), 30-year fixed, Single family home, Primary residence.
License information7 results:
APR
30-year fixed
Better: NMLS#330511
Lowest APR
Lowest monthly payment
Great for digital convenience
Conventional 30-year fixed
APR
7.318%
Interest rate
7.25%
Mo. payment
$1,638
Insurance $0
Total fees
$1,613
About this lender
Pros
- Offers a one-day mortgage that lets eligible borrowers apply, lock in a rate and get a loan commitment within 24 hours.
- Average interest rates are on the low end compared to other lenders, according to the latest federal data.
- Offers a HELOC that can be used for a primary, second or investment home.
Cons
- Doesn't offer harder-to-find loans, such as construction loans, renovation loans, or USDA mortgages.
- Finding descriptions of all of the loan offerings on the website requires some digging, and the lender does not have a mobile app.
- Average lender fees are on the high end compared with other lenders, according to the latest federal data.
EXPLORE QUOTEon Simplist
on Simplist
Simplist: NMLS#1764611Conventional 30-year fixed
4.5
NerdWallet rating
APR
7.399%
Interest rate
7.375%
Mo. payment
$1,658
Insurance $0
Total fees
$560
About this lender
Pros
- Loan origination process can be completed online.
- Offers government-backed FHA and VA loans.
- Offers module that compares mortgage rates among other lenders.
Cons
- Offers loans in many states and Washington, D.C., but not nationwide.
- Does not offer home equity loans or lines of credit.
EXPLORE QUOTEon Tomo
on Tomo
Tomo: NMLS#2059741
Great for Mortgage rate transparency
Conventional 30-year fixed4.0
NerdWallet rating
APR
7.416%
Interest rate
7.375%
Mo. payment
$1,658
Insurance $0
Total fees
$970
About this lender
Pros
- Special program offers a pricing break for first first-time home buyers.
- Offers financing options for self-employed borrowers and those without Social Security numbers.
- Interactive mortgage rates tool takes credit score and location into account.
Cons
- Purchase loans are not available in all states.
- Doesn’t offer home equity loans or lines of credit.
- No refinancing options are available.
Central Bank: NMLS#407985Conventional 30-year fixed
4.0
NerdWallet rating
APR
7.498%
Interest rate
7.49%
Mo. payment
$1,677
Insurance $0
Total fees
$177
About this lender
Pros
- Among the best when it comes to online convenience.
- Offers a full selection of mortgage types and products, including jumbo, home equity, and government loans.
- Claims to offer preapproval within 24 hours of loan application.
Cons
- You'll have to complete a loan application to see mortgage interest rates.
- Bank branch locations limited to the Midwest.
- Does not offer home equity lines of credit.
New American Funding: NMLS#6606
Great for first-time home buyers | customer service
Conventional 30-year fixed
APR
7.56%
Interest rate
7.49%
Mo. payment
$1,677
Insurance $0
Total fees
$1,629
About this lender
Pros
- Offers a wide variety of purchase and refinance mortgages with an emphasis on helping underserved communities.
- Its home equity line of credit can be used for an owner-occupied or second home.
- Has a program to enable buyers to make cash offers.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
Cons
- Mortgage origination fees tend to be on the high end.
- Personalized mortgage rates are not available on the website without providing contact information.
NBKC: NMLS#409631
Great for first-time home buyers | digital convenience | customer service
Conventional 30-year fixed
APR
7.574%
Interest rate
7.5%
Mo. payment
$1,679
Insurance $0
Total fees
$1,734
About this lender
Pros
- Offers government-backed loans and some harder-to-find products, such as construction loans and specialty mortgages for pilots.
- Offers low rates and fees compared with other lenders, according to the latest federal data.
- Displays customized rates, with fee estimates, without requiring contact information.
Cons
- HELOCs and construction-to-permanent loans are available only in the Kansas City metro area.
EXPLORE QUOTEon Bethpage Federal Credit Union
on Bethpage Federal Credit Union
Bethpage Federal Credit Union: NMLS#449104Conventional 30-year fixed
APR
8.067%
Interest rate
8%
Mo. payment
$1,762
Insurance $0
Total fees
$1,520
About this lender
Pros
- Has a fully online mortgage application and a highly rated mobile app.
- Offers financing for co-ops, a type of home that’s common on the East Coast.
- Interest rates are on the low side, according to the latest federal data.
Cons
- In-person service available only on Long Island, New York.
- Doesn’t offer renovation, construction-to-permanent or USDA loans.
- Customized rates not available online.
