Applied Filters: Good (720-739), 30-year fixed, Single family home, Primary residence.
License information8 results:
APR
30-year fixed
Northpointe: NMLS#447490Conventional 30-year fixed
Lowest APR
Lowest monthly payment
APR
6.759%
Interest rate
6.75%
Mo. payment
$2,595
Insurance $0
Total fees
$383
About this lender
Pros
- Offers government-backed FHA and VA loans, including refinancing options, and USDA loans.
- Jumbo loans available for vacation homes and investment properties.
- Offers programs for borrowers with credit challenges, self-employed borrowers and professionals early in their careers who may still carry significant debt.
Cons
- Mortgage rates are not published online.
- Origination fees are on the high side, according to the latest federal data.
- Doesn’t offer home equity loans or lines of credit.
Better: NMLS#330511
Great for digital convenience
Conventional 30-year fixed
APR
6.937%
Interest rate
6.875%
Mo. payment
$2,628
Insurance $0
Total fees
$2,496
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.
Mutual of Omaha: NMLS#1025894
Great for Loan variety
Conventional 30-year fixed
3.5
NerdWallet rating
APR
7.125%
Interest rate
7.125%
Mo. payment
$2,695
Insurance $0
Total fees
$0
About this lender
Pros
- Offers a variety of mortgage options, including jumbo loans and FHA, VA and USDA loans.
- Offers $3,000 grant to buyers in some areas.
- Loans are available for construction, renovations and manufactured homes.
Cons
- You’ll have to contact the lender for mortgage rates.
- Doesn’t offer mortgages in all 50 states.
- Home equity loans and lines of credit are not available.
First Federal Bank: NMLS#408902Conventional 30-year fixed
APR
7.141%
Interest rate
7.125%
Mo. payment
$2,695
Insurance $0
Total fees
$655
About this lender
Pros
- Offers government-backed loans and some harder-to-find products, such as jumbo loans for investment and multifamily properties.
- Home renovation loans are available.
- Offers home equity loans and lines of credit.
Cons
- Mortgage rates are not published online.
- Bank branches are limited to eight states.
- Consumers might have trouble finding contact information.
NBKC: NMLS#409631
Great for first-time home buyers | digital convenience | customer service
Conventional 30-year fixed
APR
7.154%
Interest rate
7.125%
Mo. payment
$2,695
Insurance $0
Total fees
$1,179
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.
New American Funding: NMLS#6606
Great for first-time home buyers | customer service
Conventional 30-year fixed
APR
7.166%
Interest rate
7.125%
Mo. payment
$2,695
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.
Central Bank: NMLS#407985Conventional 30-year fixed
4.0
NerdWallet rating
APR
7.375%
Interest rate
7.375%
Mo. payment
$2,763
Insurance $0
Total fees
$0
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.
EXPLORE QUOTEon HSBC Bank
on HSBC Bank
HSBC Bank: NMLS#399799Conventional 30-year fixed
5.0
NerdWallet rating
APR
7.897%
Interest rate
7.875%
Mo. payment
$2,901
Insurance $0
Total fees
$823
About this lender
Pros
- Offers an online application and loan process updates.
- Offers mortgages for investment properties.
- Makes it easy to browse current rates and get a customized mortgage rate quote.
Cons
- Does not offer FHA or VA government-backed loans.
- No renovation mortgage options.
