Homebridge Mortgage Review 2023

Good for: borrowers who want a loan officer's help, in person or on the phone, when deciding among the wide range of available mortgage options, including loans to buy and renovate.
Phil Metzger
Last updated on January 17, 2023
Edited by
✅ Fact checked and reviewed
Johanna Arnone
Edited by
✅ Fact checked and reviewed

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Our Take


Home loans overall
NerdWallet rating
The Nerdy headline:

Homebridge is a top lender of purchase-renovation loans that offers many online conveniences. Mortgage interest rates aren't available on the website.

Jump to:Full Review
Homebridge: NMLS#6521

Min. credit score
Min. down payment
Loan types and products
Purchase, Refinance, Reverse, Jumbo, Fixed, Adjustable, FHA, VA, USDA


  • Offers a full array of mortgage products, including government and renovation loans.
  • Online portal keeps borrowers up to date on the loan application's progress.
  • Offers home equity lines of credit, or HELOCs.


  • Doesn't post interest rates on its site.
  • Lender fees are on the high side, according to the latest federal data.
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Full Review

What borrowers say about Homebridge mortgage

NerdWallet’s lender star ratings assess objective qualities, including rates, fees and loan offerings. To assess borrowers’ subjective experiences with lenders, NerdWallet has gathered customer satisfaction ratings from Zillow.

  • Homebridge receives a customer rating of 4.97 out of 5 on Zillow, as of the date of publication. The score reflects more than 5,040 customer reviews.

Homebridge mortgage variety of loan types

  • 5 of 5 stars

Homebridge Financial Services Inc. is a nonbank lender that makes and services a variety of home loans for everyone from first-time home buyers to refinancers. Borrowers can expect to find options for conventional, jumbo and renovation loans, as well as government-backed FHA, VA and USDA loans.

The lender has branches in more than 30 states and encourages a conversation with a loan officer before completing an application.

Homebridge HELOC

The lender also offers a home equity line of credit, or HELOC. These second mortgages are one way for homeowners to access existing home equity without refinancing or selling their home. Funds obtained with a second mortgage can be used for expenses such as home improvements, education costs or debt consolidation. Homebridge says borrowers can be approved in as little as five minutes for HELOC funds available within five days.

Homebridge mortgage ease of application

  • 5 of 5 stars

You can start the mortgage application process at Homebridge's website, over the phone, or in person if you live near a branch. When you begin online, you’ll answer a few questions, enter your contact information and a Homebridge representative will reach out to you later.

The lender says you can complete a full mortgage application, upload documents and track the loan application's progress online. Additionally, Homebridge says, you can receive and return loan disclosures electronically, via mail or in person.

Homebridge mortgage rates and fees

  • 2.5 of 5 stars

  • Homebridge earns 2 of 5 stars for average origination fee.

  • Homebridge earns 3 of 5 stars for average mortgage interest rates.

Borrowers should consider the balance between lender fees and mortgage rates. While it's not always the case, paying upfront fees can lower your mortgage interest rate. Some lenders will charge higher upfront fees to lower their advertised interest rate and make it more attractive. Some lenders just charge higher upfront fees.

Homebridge mortgage rate transparency

  • 1 of 5 stars

Homebridge does not post mortgage rates online. You'll need to work with a loan officer to learn current rates.

Alternatives to Homebridge mortgage

Here are some comparable lenders we review that borrowers can consider.

Pennymac offers a similar nonbank borrowing experience, and Carrington offers comparable options for first-time home buyers.

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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).

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