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Zillow Home Loans Mortgage Refinance Review


ConsumersAdvocate.org Rating: 4.8 / 5 (Excellent)
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Zillow Home Loans LLC is a direct mortgage lender that is licensed to originate loans in 49 states and Washington, DC. The company is part of Zillow, Inc. a vast and exceptionally popular resource for individuals and companies involved in home buying, selling, renting, or financing. Zillow Home Loans offers both purchase mortgages and mortgage refinancing. The company was founded in 2000 under the name Mortgage Lenders of America, LLC, and was acquired by Zillow, Inc. in 2018. It is headquartered in Irvine, CA.
 
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How is Zillow Home Loans rated?

Breakdown

4.5/5
Loan Variety
5.0/5
Ease of Process
5.0/5
Customer Service and Reputation
4.5/5
Discounts and fees

Overall Rating: 4.8 / 5 (Excellent)

Zillow Home Loans is a direct mortgage lender owned by Zillow, Inc., a vast, multi-faceted resource for homebuyers and sellers, real estate professionals, lending institutions, property managers—pretty much anyone involved in the sale or rental of real property. The company enjoys a very positive reputation among consumers and has an excellent record with the Consumer Financial Protection Bureau and the Nationwide Mortgage Licensing System.

Currently, borrowers work with Zillow Home Loans’ loan officers to find a mortgage that best suits their needs and initiate the loan application process. Some documentation can be submitted online. For those who prefer to do business from the comfort of their electronic devices, Zillow Home Loans advises that a 100% digital lending experience is coming soon.

Loan Options

Lender Type
Lender
Loans Offered
Rate & Term
Cash-out
Refinance
Loan Programs
FHA
VA
Conventional
Jumbo
Fixed Year Terms
30 Year Fixed
25 Year Fixed
20 Year Fixed
15 Year Fixed
10 Year Fixed
Adjustable Rate Mortgage Terms
7/6M and 10/6M

Loan Variety - 4.5 / 5

Zillow Home Loans offers fixed-rate and adjustable-rate purchase money, rate-and-term refinance and cash-out refinance mortgages, including conventional conforming, Jumbo, VA and FHA loans, as well as fixed-rate and adjustable-rate options.

Given the many choices you face as a borrower, Zillow Home Loans's loan officers can be very helpful as you sort out the differences among loan types. The staff people we encountered throughout our contact with Zillow Home Loans were professional, knowledgeable, and accommodating across the board.

*15 & 30 Year Fixed only for some specialized loan products such a high balance or non-conforming loans.

Application Process

Closing Time
30 days

Ease of Process - 5 / 5

To compare mortgage options through Zillow Home Loans, borrowers answer a brief series of questions to provide information on their home, income, estimated credit score (range), and other factors that influence what kind of mortgage for which they may qualify. Once they have submitted their information, a loan officer will reach out to the borrower. In contrast, some mortgage lenders return estimated non-binding offers immediately when they are provided with personal and loan information (similar to that included in Zillow Home Loans's questionnaire). Some borrowers would rather have the option of browsing offers before speaking with a loan officer. Zillow Home Loans doesn't follow this model and recommends obtaining an official Loan Estimate in order to compare loan options.

Zillow Home Loans Reputation

Memberships & Regulatory Info.

Nationwide Mortgage Licensing System ID
10287
Nationwide Mortgage Regulatory Actions
3
NMLS Collection Date
2021-05-21
CFPB Total Mortgage Complaints
0
CFPB Collection Date
2021-05-20

Online Reviews

Trustpilot Trustscore
4.6
BBB Rating
A+
Date Collected
2021-05-24

Customer Service and Reputation - 5 / 5

Zillow Home Loans enjoys a very positive reputation online. The company is rated A+ by the Better Business Bureau and earns 4.4 out of 5 stars on Trustpilot as of 10/1/2022. Zillow Home Loans has a spotless record with the Consumer Financial Protection Bureau. The company has only had three public regulatory actions listed on the Nationwide Mortgage Licensing System, all of which occurred prior to the company being acquired by Zillow Inc. and prior to being renamed Zillow Home Loans.

Contact & Additional Information

Homepage URL
https://zillowhomeloans.com
Company Phone
(888) 852-2212
Headquarters Address
10975 El Monte St., Overland Park, KS, 66211
Year Founded
2000

Disclosure

** 15 & 30 Year Fixed Terms only for some specialized loan products such as a high balance or non-conforming loans.

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