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Credit Score: 580Min. down payment: 5%Pros:
- Offers a wide variety of loan products
Cons:- High origination fees
Services: Purchase, Refinance, Home Equity, Reverse, Jumbo, Fixed, Adjustable, FHA, VA, USDAFounded in 2003, New American Funding is one of the largest, privately owned direct mortgage lenders in the United States. They offer a wide variety -
Credit Score: 620Min. down payment: 3%Pros:
- Loans and services available nationwide
- Offers government-backed loans
- Low rates and fees, compared to other lenders
- $5,000 closing guarantee
Cons:- Doesn’t offer USDA or mobile home loans
- No down payment assistance programs
- HELOCs and construction loans limited to Kansas City
Services: Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VANBKC Bank is an online and brick-and-mortar lender, established in 1999, that provides a variety of mortgage options, including conventional and government-insured loans, refinancing and -
Credit Score: 620Min. down payment: 3%Pros:
- Offers a wide variety of loans
- Low rates compared to other lenders
- Streamlined application process
Cons:- Higher credit score requirements
- Doesn't offer home equity loans
Services: Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA, USDAGuaranteed Rate is one of the biggest names in the mortgage market. The Chicago-based lender was founded in 2000 and today has more than 10,000 -
Credit Score: 660Min. down payment: 5%Pros:
- Low down payment mortgages
- Down payment assistance
- Competitive HELOC
- Transparent mortgage rates
Cons:- Customer satisfaction scores are mixed
- Doesn't offer renovation mortgage loans
- No USDA loans or home equity loans
Services: Purchase, Refinance, Home Equity, Jumbo, Fixed, Adjustable, FHA, VABank of America is the second-largest bank in the U.S. Its home loan products include mortgages, refinancing and home equity lines of credit (HELOCs), offering -
Credit Score: 620Min. down payment: 0%Pros:
- Offers 24/7 customer service over the phone
- Offers a free credit counseling service
- Mortgage rates are on the low side
Cons:- Doesn't offer home equity loans or HELOCs
- Branch offices in only 17 states
Veterans United specializes in VA loans, and the online convenience makes it a strong choice for military borrowers. Along with purchase loans, the lender offers -
Credit Score: 620Min. down payment: 3%Pros:
- Offers conventional, FHA, VA, USDA and jumbo loans
- Multiple customer service options available
- Low average mortgage interest rates and origination fees
Cons:- No mortgage rates displayed online
- Doesn't offer home equity loans or lines of credit
Services: Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA, USDAFreedom Mortgage offers conventional purchase and refinance loans (cash-out and rate-and-term options). They also provide jumbo loans and government-backed FHA, VA and USDA options. They -
Credit Score: 620Min. down payment: 3%Pros:
- Offers a wide range of loan types and products, including FHA, VA and USDA
- Borrowers can apply and track loan status online
- No minimum loan amount for its conventional loan products
- Available in all 50 US states
Cons:- Home equity loans are geographically limited
- Borrowers can’t close entirely online
- Origination fees are on the high side
- Doesn't offer reverse mortgages
Services: Purchase, Refinance, Home Equity, Jumbo, Fixed, Adjustable, FHA, VA, USDAFlagstar Bank provides a variety of mortgage options for borrowers, including conventional loans, jumbo loans, government-backed loans and construction and renovation loans. They have branches -
Credit Score: 620Min. down payment: 3%Pros:
- Displays daily rates online
- Rates are lower than national average
- Free 60-day rate lock
- Offers HELOCs
- Offers financing for co-ops
Cons:- Must be a member
- USDA loans are not available
- Only offers VA refinances
Services: Purchase, Refinance, Home Equity, Jumbo, Fixed, Adjustable, FHABethpage Federal Credit Union’s mortgage products include fixed- and adjustable-rate conventional loans, jumbo loans and government-backed FHA loans. Bethpage also offers loans for second homes -
Credit Score: 620Min. down payment: 3%Pros:
- Offers a wide variety of loan products
- Large lender with national presence
- $1,000 off closing costs if preapproved
- Published rates are updated daily
- Completely online application
Cons:- No brick-and-mortar locations
- Online information about loan costs limited
- Origination fees are on the higher end
- Below-average customer service score
Services: Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA, Home EquityPennymac is a publicly traded direct mortgage lender and servicer offering a range of loan options, including low-down payment loans and refinancing. Although there are
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