Best Home Loan Lenders 2025

The easy way to find conventional home loan rates.

Interest rates on house loans have been on the rise for months to combat inflation, this may be the “last call” for affordable rates. Finding the right lender for your home purchase is increasingly crucial for saving money.
Flexible Loan Options
Competitive Rates
Quick Pre-Approvals
No Hidden Fees
9.8
Our score
9.7
Business Trust Score
Based on Business trust accreditation platform Score
10
Brand Reputation
Based on web trends
9.8
Popularity Score
Based on user visits
Find a simple mortgage that works for you.
9.1
Our score
9.4
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
8
Popularity Score
Based on user visits
Get custom rates in as little as 3 minutes – no credit score impact
9.5
Our score
9.7
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
8.9
Popularity Score
Based on user visits
Step-by-step guidance to secure a home loan
Flexible Loan Options
Competitive Rates
Quick Pre-Approvals
No Hidden Fees
Today's 30yr fixed purchase rate: 6.84% APR 0.05% 30 day change 0.23% 90 day change
Today's 15yr fixed purchase rate: 6.25% APR 0.04% 30 day change 0.26% 90 day change
Today's 30yr fixed purchase rate: 6.84% APR 0.05% 30 day change 0.23% 90 day change
Today's 15yr fixed purchase rate: 6.25% APR 0.04% 30 day change 0.26% 90 day change

Which mortgage lender is right for you?

Loan Type
Credit Score
Loan Amount
Valid as of April 29, 2025
How our total score works
Our Total Score
Our scoring system incorporates a weighted formula, which considers three parameters, Brand Raputation, Popularity score and Business trust accreditation platform, providing a numerical score out of 10 for each brand.
Business Trust Score
Business trust accreditation data is vital for assessing customer contentment and plays a crucial role in our evaluation process. Fund.com's Total Score integrates a brand's business trust accreditation platform rating, which ranges from 0 to 100, adjusted to 1-10 base. If a the business trust accreditation platform rating is unavailable, we rely solely on the Brand Reputation and popularity score.to calculate the Total Score.
Brand Reputation
To ascertain the reputation and recognition of the listed brands, we rely on Semrush's reliable and comprehensive competitive research tool and traffic analytics platform. By utilizing Semrush, we obtain estimates of both mobile and desktop traffic for any website. Evaluating clickstream data, including user activity, search patterns, and engagement levels, Semrush helps us accurately assess the brand's visibility, credibility, and authenticity. The Semrush score is then adjusted to our 0-10 formula for precise evaluation. However, in cases where a Semrush score is unavailable, Fund.com Total Score will be based solely on the Business trust accreditation platform and Popularity score.
Popularity Score
Our popularity score is based on the number of visits to each provider’s page on our website over the past 30 days. This score reflects user interest and engagement but does not indicate the quality or performance of a provider.
9.7
Business Trust Score
Based on Business trust accreditation platform Score
10
Brand Reputation
Based on web trends
9.8
Popularity Score
Based on user visits
9.8
Our score
9.7
Business Trust Score
Based on Business trust accreditation platform Score
10
Brand Reputation
Based on web trends
9.8
Popularity Score
Based on user visits
  • Find a simple mortgage that works for you
  • Home loan experts available 24/7
  • Fast rate quotes you can trust
  • Get real-time rate updates
  • Application syncs with your bank
  • Speedy app for customer service

Find a simple mortgage that works for you.

Find a simple mortgage that works for you.

36,349 5-star reviews
9.4
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
8
Popularity Score
Based on user visits
9.1
Our score
9.4
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
8
Popularity Score
Based on user visits
  • Get custom rates in as little as 3 minutes – no credit score impact
  • Instant loan estimates and 24/7 rate lock
  • Best mortgage lender for affordability 2023 (Wall Street Journal)
  • Loan types to meet your needs – jumbo, conventional, FHA, VA
  • Close on time, guaranteed¹

Get custom rates in as little as 3 minutes – no credit score impact

Get custom rates in as little as 3 minutes – no credit score impact

1,833 5-star reviews
9.7
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
8.9
Popularity Score
Based on user visits
9.5
Our score
9.7
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
8.9
Popularity Score
Based on user visits
  • Step-by-step guidance to secure a home loan
  • Low rates: quick quote & approval
  • Rate lock protection, lock now before rates go up
  • Pre-approval letter with rate lock protection
  • Over $100 billion funded. 21 years in business

Step-by-step guidance to secure a home loan

Step-by-step guidance to secure a home loan

14,849 5-star reviews
9.7
Business Trust Score
Based on Business trust accreditation platform Score
8.8
Brand Reputation
Based on web trends
7.7
Popularity Score
Based on user visits
8.7
Our score
9.7
Business Trust Score
Based on Business trust accreditation platform Score
8.8
Brand Reputation
Based on web trends
7.7
Popularity Score
Based on user visits
  • Low rates, fast closing, premium service
  • Apply online in less than 3 minutes
  • Competitive rates for FICO above 720
  • A shockingly simple mortgage process

Transparent mortgage process

Transparent mortgage process

18,803 5-star reviews
9.7
Business Trust Score
Based on Business trust accreditation platform Score
10
Brand Reputation
Based on web trends
9.5
Popularity Score
Based on user visits
9.7
Our score
9.7
Business Trust Score
Based on Business trust accreditation platform Score
10
Brand Reputation
Based on web trends
9.5
Popularity Score
Based on user visits
  • Home buying with as little as 1% down
  • Flexible mortgage options for 580+ FICO
  • Check to see your different home buying options
  • Compare lenders 100% online

Home Buying with as little as 1% down

Home Buying with as little as 1% down

20,194 5-star reviews
9.7
Business Trust Score
Based on Business trust accreditation platform Score
9.4
Brand Reputation
Based on web trends
8.3
Popularity Score
Based on user visits
9.3
Our score
9.7
Business Trust Score
Based on Business trust accreditation platform Score
9.4
Brand Reputation
Based on web trends
8.3
Popularity Score
Based on user visits
  • Quickly compare the best rates from top lenders
  • Competitive mortgage rates
  • Wide range of loan options
  • Shop well, close fast

Quickly compare the best rates from top lenders

Quickly compare the best rates from top lenders

14,615 5-star reviews
9.7
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
9.2
Popularity Score
Based on user visits
9.6
Our score
9.7
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
9.2
Popularity Score
Based on user visits
  • Get home loan pre-approved in as few as 24 hours
  • Wide variety of loan types
  • Get $100K+ mortgage with a simple online application
  • Apply for a quote in minutes

Get home loan pre-approved in as few as 24 hours

Get home loan pre-approved in as few as 24 hours

1,154 5-star reviews
9.7
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
8.6
Popularity Score
Based on user visits
9.4
Our score
9.7
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
8.6
Popularity Score
Based on user visits
  • $0 down payment for qualified Veterans
  • Easy, no hassle process with MyVeteransUnited
  • Competitively low rates and no PMI
  • Get your personalized rate and preapproval fast

$0 down payment for qualified Veterans

$0 down payment for qualified Veterans

VIEW RATES
11,933 5-star reviews
8.5
Brand Reputation
Based on web trends
7.7
Popularity Score
Based on user visits
8.2
Our score
8.5
Brand Reputation
Based on web trends
7.7
Popularity Score
Based on user visits
  • Large lender network
  • Wide range of loan options
  • National lending coverage

Large lender network

Large lender network

Need help finding the right lender for you?
What type of loan are you looking for?
What type of loan are you looking for?
Based on your answers,
we recommend
Step
1
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3
*This recommendation is based on our assessment; users are urged to consider individual factors before choosing a vendor.

Looking to refinance instead?

Compare low refi rates from top lenders
9.7
Business Trust Score
Based on Business trust accreditation platform Score
10
Brand Reputation
Based on web trends
9.8
Popularity Score
Based on user visits
9.8
Our score
9.7
Business Trust Score
Based on Business trust accreditation platform Score
10
Brand Reputation
Based on web trends
9.8
Popularity Score
Based on user visits
  • Find a simple mortgage that works for you
  • Speedy document and asset retrieval
  • Get real-time rate updates
  • Application syncs with your bank
  • Home loan experts available 24/7
  • Fast rate quotes you can trust

Find a simple mortgage that works for you

  • Find a simple mortgage that works for you
  • Get real-time rate updates
36,349 5-star reviews
9.7
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
9.2
Popularity Score
Based on user visits
9.6
Our score
9.7
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
9.2
Popularity Score
Based on user visits
  • Get a personalized refinance quote in only 5 minutes
  • Competitive rates for FICO scores below 620
  • "A" BBB rating, 380k+ positive reviews
  • Lock in competitive rates, close quickly
  • 100% online application available

Personalized refinance rate in only 5 minutes

  • Get a personalized refinance quote in only 5 minutes
  • Competitive rates for FICO scores below 620
1,154 5-star reviews
9.7
Business Trust Score
Based on Business trust accreditation platform Score
10
Brand Reputation
Based on web trends
9.5
Popularity Score
Based on user visits
9.7
Our score
9.7
Business Trust Score
Based on Business trust accreditation platform Score
10
Brand Reputation
Based on web trends
9.5
Popularity Score
Based on user visits
  • Unlock cash from within your home
  • Powerful refinance solutions
  • Personalized recommendations
  • 100% online experience
  • Free loan calculators

Unlock cash from within your home

  • Unlock cash from within your home
  • Powerful refinance solutions
20,194 5-star reviews

What Is a Home Mortgage Loan?

A home mortgage loan is a financial agreement where a borrower secures funds to purchase a property, typically a primary residence. Home loans also include financing options for investment properties, which can generate rental income. Borrowers commit to repaying the loan through monthly installments, which include principal and interest, over a set term, commonly 15 or 30 years.

With a house loan, the property serves as collateral. If the borrower fails to meet repayment obligations, the lender has the right to foreclose on the home. Those looking to adjust their loan terms can explore mortgage refinancing options to secure lower interest rates or shorter loan durations.

Check Your Rates on Rocket Mortgage

What Is a Mortgage Rate?

A mortgage rate is the percentage of interest a borrower pays on their house loan. For instance, borrowing $300,000 at a 5% fixed rate means paying $15,000 annually in interest unless additional payments are made toward the principal. Mortgage rate trends fluctuate daily due to factors like inflation, Federal Reserve policies, and economic trends.

Your credit score significantly impacts your ability to secure the best home loan with a lower interest rate. A higher credit score, ideally 740 or above, can help you obtain better terms. Additionally, lenders assess the loan-to-value (LTV) ratio, which compares the loan amount to the home’s market value. A lower LTV, preferably below 80%, improves a borrower’s chances of securing favorable mortgage rates.

See Mortgage Loan Offers on Better Mortgage

How to Get a Home Loan with a Low Interest Rate

Save for a Down Payment – A higher down payment reduces the LTV ratio, which can lower your interest rate. Aiming for at least 20% can also help you avoid private mortgage insurance (PMI).

Evaluate Paying Points – Some borrowers opt to pay upfront fees, known as discount points, to reduce their interest rate. However, this only proves beneficial if you plan to stay in the home long enough to recover the upfront costs.

Consider an Adjustable-Rate Mortgage (ARM) – ARMs start with lower introductory interest rates that adjust based on market conditions after a set period.

Shop for the Best House Loans – Mortgage rates and comparisons vary by lender. Comparing multiple loan offers can help borrowers find the most affordable financing.

Check Your Rates on AmeriSave

How to Apply for a Home Loan Online

Many lenders now allow borrowers to apply for a home loan online, streamlining the process. To apply, you’ll need to submit personal and financial information, including:

  • Social Security number
  • Proof of income (pay stubs, tax returns)
  • Bank statements
  • Employment history
  • Debt and asset details

After submitting an application, the lender provides a loan estimate within three business days, outlining the loan terms, interest rate, and estimated costs. Upon acceptance, the borrower must submit supporting documents for underwriting. Once approved, the lender issues a final closing disclosure, and the borrower attends a closing meeting to finalize the purchase.

See Mortgage Loan Offers on Rocket Mortgage

How Does the Mortgage Loan Process Work?

Once you submit all supporting paperwork, your loan will enter the underwriting process. The lender will check to make sure you have the credit and income to repay the loan and confirm other aspects of your application.

The lender will also verify your down payment and funds for closing. The underwriting agent will confirm the source of large deposits in your account and confirm that you have cash reserves. Many lenders require savings of at least two to three times your monthly mortgage amount in reserve to complete the underwriting process.

During the mortgage application process, the bank will order an appraisal of the home. They want to make sure its value exceeds the amount of the mortgage loan. You may also want to have a home inspector evaluate the property before you move forward with the purchase. Some mortgages, such as FHA loans, require the borrower to get a home inspection.

Three days before the scheduled closing date of your mortgage, the lender must provide the closing disclosure. This legal document provides the final terms of the loan as well as the total closing costs. If the disclosure meets your expectations, you make your down payment and closing costs at settlement, where you receive your keys and take ownership of your new home.

Understanding how to buy a home starts with prequalification and securing financing. By understanding how to get a home loan and preparing accordingly, borrowers can navigate the home-buying process with confidence and secure the best possible mortgage terms.

See Mortgage Loan Offers on Better Mortgage

What is Prequalification?

A mortgage pre-qualification is an initial step in the home loan process that helps buyers determine if they qualify to buy a house and how much they might be able to borrow. To pre qualify for a home loan, lenders review basic financial information such as income, assets, debts, and credit score without a formal credit check.

Many buyers ask, “How do I prequalify for a home loan?” The process is usually quick and can often be done online or over the phone. While a preapproval mortgage requires more documentation and a credit check, pre-qualification is a simpler estimate of loan eligibility. Learning how to get prequalified for a home loan can help buyers understand their mortgage qualification and set realistic expectations.

Why Your Credit Score Matters

A borrower’s house loan credit score plays a crucial role in determining their eligibility for a mortgage, the interest rate they receive, and the loan terms they qualify for. Lenders use a credit score for home loan approvals to assess financial responsibility and risk.

If you’re wondering what credit score to buy a house, most conventional lenders prefer scores of 620 or higher, while FHA loans allow lower scores. In fact, a credit score 580 home loan is possible through FHA financing, requiring a 3.5% down payment. Understanding the credit needed to buy a home can help borrowers improve their financial standing before applying for a mortgage, ensuring better loan terms and lower costs over time.

Types of Mortgages

Within each of these types of mortgage loans, most lenders offer either fixed-rate or adjustable-rate loans. You may prefer the stability of the constant monthly payment with a fixed-rate mortgage or prioritize the low introductory payments with an adjustable mortgage, especially if you expect to increase your income over time.

Conventional home loans allow you to borrow up to a certain amount with a credit score of 620 or higher. You must have a down payment of at least 3%. Most conventional home loans have 15-year or 30-year terms. Jumbo mortgages exceed the maximum amount for conventional home loans. They require a higher credit score and a down payment of at least 10%.

FHA loans allow a credit score of 500 with a 10% down payment or 580 with a 3.5% down payment. These loans have a guarantee from the Federal Housing Authority and can be used to fund both home purchases and renovations. Mortgage rates for FHA loans fluctuate with the market like other types of loans.

VA Loans, backed by the Veterans Administration, provide zero-down mortgages for eligible veterans, service members, and spouses. It’s easy to compare rates on the best home loans through the VA program on the web.

USDA Loans: The USDA also has a no-down-payment loan program. To qualify for this type of mortgage, you must buy a home in a rural area. The USDA mortgage also has maximum income limits depending on your family size and zip code. Like other loan types, rates can vary.

See VA Loan Offers on AmeriSave

How to Choose the Right Mortgage Lender for You

To find the best mortgage lender for your needs, start by checking your credit score. If you have fair credit or below, taking steps to improve your score can help you qualify for affordable mortgage terms. You can build credit by paying bills on time, disputing inaccurate information on your report, and reducing your overall amount of debt (paying down credit cards, for example).

Once you’re ready to narrow your search for a mortgage, start with lenders who offer the type of home loan you want, or compare multiple lenders side-by-side on a site like LendingTree. Make a short list of “musts” you want in your mortgage lender, such as online servicing, limited closing costs, or a branch in your area for in-person assistance.

Check online reviews and customer ratings for the lenders on your list to look for potential pitfalls. When you have three to four options, complete the preapproval process to access your rates and terms. Read the fine print with your preapproval to make sure it will not affect your credit score or compromise your personal information.

Next, review the lender term sheets next to one another to determine which loan will cost you less over time. In addition to the APR, pay attention to closing costs, origination fees, prepaid interests, and other expenses that can affect your monthly payment and the total cost of your mortgage.

See Mortgage Loan Offers on Rocket Mortgage

FAQ

What’s the difference between an adjustable and a fixed-rate mortgage?

A fixed-rate mortgage has the same interest rate for the life of the loan. Adjustable-rate mortgages (ARMs) have a low fixed rate for an initial period, often one year. The terms of your loan indicate how and when the rate will adjust. For example, a 5/1 ARM has a low fixed rate for five years and then changes every year. It can go up or down.

Will applying for a mortgage affect my credit score?

During the underwriting process, your lender will do a “hard pull” of your credit. This can lower your score, especially if you have several hard inquiries within just a few months. Over time, however, a mortgage tends to build credit by diversifying your history and establishing a good payment record over many years.

How long does the mortgage application process take?

The process varies by lender and financial situation, but most qualified borrowers can close on a mortgage loan within about 30 days. The average loan closing time is just 21 days, while both LendingTree and Rocket Mortgage report that their loans typically close within 30 days.

What do mortgage lenders consider when reviewing applications?

If you’re looking into how to buy a house, keep in mind that each lender has its own requirements for loan approval. However, most mortgage lenders require a debt-to-income ratio of no more than 43% and a credit score of at least 580 depending on the type of mortgage. You must also account for your down payment funds and show a work history of at least two years. The property must meet the lender’s appraisal requirements.

Which mortgage term is best?

If you choose a 30-year mortgage, you will have lower monthly payments. However, the loan will cost more in interest by the time you pay it off. A 15-year mortgage has higher monthly payments but less expensive interest over the life of the loan. The answer depends on your individual situation and financial goals.

Find the right lender for you

9.7
Business Trust Score
Based on Business trust accreditation platform Score
10
Brand Reputation
Based on web trends
9.8
Popularity Score
Based on user visits
9.8
Our score
9.7
Business Trust Score
Based on Business trust accreditation platform Score
10
Brand Reputation
Based on web trends
9.8
Popularity Score
Based on user visits
  • Find a simple mortgage that works for you
  • Home loan experts available 24/7
  • Fast rate quotes you can trust
  • Get real-time rate updates
  • Application syncs with your bank
  • Speedy app for customer service

Find a simple mortgage that works for you.

Find a simple mortgage that works for you.

36,349 5-star reviews
9.4
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
8
Popularity Score
Based on user visits
9.1
Our score
9.4
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
8
Popularity Score
Based on user visits
  • Get custom rates in as little as 3 minutes – no credit score impact
  • Instant loan estimates and 24/7 rate lock
  • Best mortgage lender for affordability 2023 (Wall Street Journal)
  • Loan types to meet your needs – jumbo, conventional, FHA, VA
  • Close on time, guaranteed¹

Get custom rates in as little as 3 minutes – no credit score impact

Get custom rates in as little as 3 minutes – no credit score impact

1,833 5-star reviews
9.7
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
8.9
Popularity Score
Based on user visits
9.5
Our score
9.7
Business Trust Score
Based on Business trust accreditation platform Score
9.8
Brand Reputation
Based on web trends
8.9
Popularity Score
Based on user visits
  • Step-by-step guidance to secure a home loan
  • Low rates: quick quote & approval
  • Rate lock protection, lock now before rates go up
  • Pre-approval letter with rate lock protection
  • Over $100 billion funded. 21 years in business

Step-by-step guidance to secure a home loan

Step-by-step guidance to secure a home loan

14,849 5-star reviews