The bottom line:
Fast Forward Home Loans offers a digital-first experience with dedicated loan officers but doesn't publish rate information.
Pros & Cons
- Charges no origination fees.
- Borrowers work with a dedicated loan officer until underwriting.
- Offers digital conveniences including an online application and regular updates on the loan process.
- Must contact a loan officer for a rate quote.
- Not available in all 50 states.
- Doesn't offer home equity loans or HELOCs.
Compare to Other Lenders
Min. credit score
Min. credit score
Min. down payment
Min. down payment
Loan types and products
Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA
Loan types and products
Purchase, Refinance, Home Equity, Jumbo, Fixed, Adjustable, FHA, VA, USDA
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Based out of a single office in Overland Park, Kansas, Fast Forward Home Loans is a small but growing division of Flat Branch Mortgage, Inc. Currently licensed in 21 states, the company is "adding two to three states per year," says Brandon Severino, consumer direct manager at Fast Forward Home Loans.
Here's what you can expect from the Fast Forward Home Loans mortgage process.
Fast Forward Home Loans mortgage products
Fast Forward Home Loans offers a wide variety of purchase and refinance options, including both conventional and government-backed loans. Fast Forward also boasts mortgages that are specifically tailored to doctors (including dentists, eye doctors and osteopaths) and to borrowers who are self-employed.
Though the majority are conventional loans, Severino estimates that almost one-third of Fast Forward Home Loans' mortgages are VA loans.
"Over half of our staff previously worked at VA-exclusive mortgage lending institutions," Severino says. "With our no-lender-fee products to go along with our low VA rates, we attract a lot of VA business."
The Fast Forward Home Loans loan process
Mortgage rates aren't readily available on the Fast Forward website, so borrowers start by contacting the lender (usually via an online form) to get a custom rate quote.
The form asks for details like whether you're looking to purchase or refinance, what kind of home you're looking for, your approximate credit score and whether you were ever in the military. These details help Fast Forward loan officers determine the rate and type of loan you might qualify for.
The rate quote is provided in an email from a loan officer, which will direct you to an "apply now" button in the email signature. Click the button and you'll be taken to the loan officer's secure website to create a login and complete an online mortgage preapproval application. Once complete, the loan officer is notified. In addition to an automated review, the loan officer will call you to ensure the information provided is accurate.
Fast Forward Home Loans says a turnaround time of about two business hours is normal for a full preapproval.
Once preapproved, you can move on to completing an online application. The loan officer will email you a list of items that need to be uploaded through their secure document portal. Some refinances may require as little as a photo ID and a mortgage statement. You will also receive electronic loan application documents to review and sign electronically.
Next, the application goes to processing, then underwriting. Within hours of the loan clearing underwriting, a loan officer assistant will email you a list of approval conditions that need to be met, Severino says. Overall, Fast Forward Home Loans says their average time to close is about 28 days, though with some refinances it can be even faster.
» MORE: Use our mortgage calculator to find out your monthly mortgage payment
Fast Forward Home Loans mortgage rates and fees
If you're trying to get an idea of Fast Forward Home Loans interest rates, you won’t find them on the lender's website. Instead, you have to fill out a form and wait for a loan officer to send you a personalized rate.
Nerd tip: Many lenders display general rates online or allow potential borrowers to see customized sample rates without entering their contact information. However, a quote that's personalized to your plans and preferences may help you make a more informed decision when shopping for a lender.
If you like the rate you’re quoted and pursue preapproval, Fast Forward offers free rate locks lasting up to 90 days.
On the plus side, Fast Forward Home Loans says it charges no origination fees — that's right, no application fee, processing fee or underwriting fee. It's important to compare these fees when you're shopping lenders, as these can easily tack on $1,000 or more to your closing costs.
Fast Forward Home Loans customer experience
Borrowers work with a dedicated loan officer all the way through to underwriting, at which point a loan officer assistant takes over for the last steps in the process. Loan officers are in touch with borrowers each step of the way, and Fast Forward Home Loans sends automated emails that include personalized explanatory videos as the application passes each hurdle.
Because Fast Forward Home Loans aims to combine the convenience of an online mortgage experience with a more personal touch, loan officers also reach out to borrowers on the phone. An automated system won't necessarily spot human error, so loan officers manually review applications and contact borrowers to make sure nothing's missing, Severino says. He says Fast Forward Home Loans team members are generally reachable by phone from 7 a.m. to 8 p.m. Central time on weekdays, and that at least one loan officer is available to provide phone coverage on weekends.
More from NerdWallet
NerdWallet’s overall ratings for mortgage lenders are evaluated based on four major categories: variety of loan types (purchase, refinance, fixed and adjustable, for example), ease of application, rates and fees and rate transparency. Among the factors we consider when scoring these categories are options to apply for and track loans online, the level of detail about mortgage rates on lender websites and our analysis of the rates and fees lenders reported in the latest available Home Mortgage Disclosure Act data. These scores generate ratings from 1 star (poor) to 5 stars (excellent).