JG Wentworth Review

Rating: 9.7 / 10 (Excellent)
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J.G. Wentworth Home Lending is a direct lender offering highly competitive mortgage rates, a quick and easy application process that delivers quotes in minutes, and award-winning customer service. The company, which holds an A+ rating with the Better Business Bureau, offers a wide variety of mortgage programs, including jumbo and government-backed loans.

How is JG Wentworth rated?


Loan Specifics
Customer Experience
Qualification Requirements
Lender Reputation

Overall Rating: 9.7 / 10 (Excellent)

J.G. Wentworth's vast array of choices and excellent customer service make them a solid mortgage provider for borrowers from diverse financial backgrounds. Customers can reach company representatives via phone, email, and live chat, enabling them to clarify any questions or lingering doubts.

JG Wentworth Customer Experience

Loan Specifics - 10 / 10

J.G. Wentworth Wentworth's mortgage lending arm originates a large variety of loan types, including conventional 15-, 20-, and 30-year fixed rate loans as well as 3-, 5-, or 7/1 adjustable-rate mortgages. They also extend government-backed FHA, USDA, and VA loans. All of these products have different minimum and maximum loan amounts, which also vary depending on the borrower's geographic location. This extensive selection of mortgage solutions virtually ensures the majority of borrowers will be able to find an option that meets their needs.

Type of Mortgage Loans

["Fixed Rate 15 Year", "Fixed Rate 20 Year", "Fixed Rate 30 Year", "3/1 ARM", "5/1 ARM", "7/1 ARM", "VA Fixed Rate", "VA Adjustable Rate", "FHA Fixed Rate", "FHA Adjustable Rate", "USDA Loan"]

Types of Mortgage Loans Offered

  • Fixed Rate 15 Year
  • Fixed Rate 20 Year
  • Fixed Rate 30 Year
  • 3/1 ARM
  • 5/1 ARM
  • 7/1 ARM
  • VA Fixed Rate
  • VA Adjustable Rate
  • FHA Fixed Rate
  • FHA Adjustable Rate
  • USDA Loan

JG Wentworth Customer Experience

Customer Experience - 9.5 / 10

J.G. Wentworth's website is easy to navigate and full of information, including a large number of helpful articles, a Monthly Mortgage Estimate calculator, and both an online application and quote service, without having to give any personal information. Decision and closing times aren't specified, but we found multiple instances of customer feedback in which borrowers were able to close earlier than expected.

Online Features

Online Application
Online Quote
Additional Tools and Resources
Affordability Calculator
Help Articles
Check Today's Rates
SSN Required for Quote

JG Wentworth Qualification Requirements

Qualification Requirements - 9.5 / 10

Though J.G. Wentworth doesn't state a specific sum as their minimum downpayment, they do recommend that it should comprise at least 20% of the total purchase price, although FHA loan programs accept as little as 5%. Their minimum FICO score of 620 is in line with standard industry practices.

Key Requirements at a Glance

Minimum FICO Score
Non-Traditional Credit History Considered?

JG Wentworth Lender Reputation

Lender Reputation - 9.5 / 10

J.G. Wentworth was founded in 1991 but has fast become a respected player in the national mortgage industry. They enjoy an A+ rating with the BBB, and an 8 out of 10 Trustpilot score, which accurately reflects their low complaint ratio and commitment to customer service.

Key Facts

Lender Type
Direct Lender
Year Founded
BBB Rating
BBB Positive Reviews
BBB Negative Reviews
TrustPilot Rating
8.0 out of 10
Collection Date

Complaints & Regulatory Actions

Nationwide Mortgage Licensing System ID
The Nationwide Mortgage Regulatory Actions
Consumer Financial Protection Bureau Complaints

Company Profile

Full Name
JG Wentworth

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Top Rated
Our Partner
9.7 / 10
  • Low mortgage rates
  • No points and no hidden fees
  • A wide variety of mortgage programs
  • Top 5 Home Lending Customer Satisfaction on Lending Tree Platform – 4Q 2017
  • A+ rating with the Better Business Bureau
  • Only for homeowners with a 620+ credit score
  • Not available in NY, NV, UT, HI or MO