J.G. Wentworth Cash Out Refinance Review

Rating: 9.1 / 10 (Excellent)
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Founded in 1991, J.G. Wentworth originated as a go-to resource for people wishing to access their future cash. Starting with future payment streams like structured settlements, the company has since grown into a financial powerhouse that provides several different types of financial products. The Pennsylvania based firm offers mortgage, mortgage refinance, personal loans, annuities, and lottery payment purchasing.

How is JG Wentworth rated?


Consumer Experience

Overall Rating: 9.1 / 10 (Excellent)

J.G. Wentworth doesn't offer home equity loans, but does provide mortgage refinance loans, which also take advantage of the equity accumulated in a home. These can be an excellent alternative, especially since the company offers some of the most competitive rates in the industry and lenient qualification requirements, paired with thorough attention to customer service.

JG Wentworth Loans

Lender Type
Online Lender
Loan Types Available
Cash-out Refinance
Cash-out Refinance Terms
15 Year Fixed, 30 Year Fixed
Cash-out Refinance Fixed Rates Starting At
Origination Fee
Closing Fee
3% of the purchase price

Loans - 9 / 10

J.G. Wentworth is residential mortgage banking company which offers mortgage refinance loans to borrowers looking to tap into their home equity by getting a cash-out refi. They offer some of the most competitive mortgage refinance rates in the industry and detailed attention to customer service. J.G. Wentworth offers refinance terms of 15 and 30 years at a starting fixed rate of 3.545%.

JG Wentworth Qualifications

Minimum Home Equity
Minimum Credit Score

Qualifications - 9 / 10

J. G. Wentworth not only offers competitive mortgage refinance rates, they also have some of the lowest credit score requirements in the business, (scores as low as 580 can still qualify). Their origination fees are also very low ($795) for most loan types, and they can use alternative credit scoring for some government-insured loans.

JG Wentworth Customer Experience

Site Features & Technology
Online Quote

Consumer Experience - 9.4 / 10

J.G. Wentworth offers online quotes and a good amount of articles and educational resources for their customers. As part of their focus on the consumer, they also have an online portal for paying mortgages over the internet, thereby simplifying the process. Online customer reviews are on the whole very positive.

JG Wentworth Reputation

Memberships & Accreditations
Equal Opportunity Lender
Nationwide Mortgage Licensing System ID
Nationwide Mortgage Regulatory Actions

Reputation - 9 / 10

J.G. Wentworth is one of the most recognizable names in future payment purchasing, with more than $8 billion in settlement payments. Their 2014 foray into mortgage and personal lending has allowed them to bring the experience garnered from a quarter century to other types of debt instruments, resulting in great customer reviews, across various user-based websites.

Additional Details

Homepage URL
Company Phone
(855) 688-9669
Headquarters Address
201 King of Prussia Rd, Suite 501, Radnor, PA, 19087
Mailing Address
201 King of Prussia Rd, Suite 501, Radnor, PA, 19087

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Our Partner
9.1 / 10
  • Realize the advantages of a Cash Out Refinance over a Home Equity Loan
  • Consolidate Debt, Pay for College or Renovate your Home
  • Low refinance mortgage rates
  • No points and no hidden fees
  • Over $10,000,000,000 Dollars in Loans Funded
  • A+ rating with the Better Business Bureau