Best Mortgage Lenders of 2024

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Best Mortgage Lenders of 2024","alternativeHeadline":"Best Mortgage Lenders of December 2024: Mortgage Lender Reviews & Comparisons","image":{"@type":"ImageObject","url":"https://i.insider.com/5fbd7f9650e71a00115573be?width=1200&format=jpeg","width":1200,"height":900,"caption":"Our top picks for the best mortgage lenders offer a variety of mortgage types and have high customer satisfaction."},"name":"Best Mortgage Lenders of December 2024: Mortgage Lender Reviews & Comparisons","datePublished":"2024-11-25T22:32:30Z","dateModified":"2024-11-25T22:32:30Z","description":"Explore our reviews of the best mortgage lenders of 2024 and compare rates, loan options, customer service, and more to find the right lender for you.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate mortgages to write unbiased product reviews.Not all mortgage lenders are alike. Shopping around and comparing current mortgage rates from multiple lenders can help borrowers save money on their monthly mortgage payments and ensure they have a good experience buying or refinancing a home.To find the best mortgage lenders of 2024, we looked for lenders that have low rates and fees, rank high in customer satisfaction, and offer a good variety of loan types. The best lenders also have features that make their loans more affordable, like down payment assistance or flexible credit requirements.To make your search for the best lender easier, Business Insider has picked mortgage lenders that are affordable, thrive in customer satisfaction, and offer a variety of types of mortgages to meet different borrowers' needs.Here are the best mortgage lenders of 2024 according to Business Insider editors.Bank of America has some of the lowest average rates and fees, according to the latest Home Mortgage Disclosure Act data. It also ranked high in customer satisfaction in 2024, according to J.D. Power's Mortgage Origination Satisfaction Study.Bank of America has robust offerings for lower-income borrowers. With this lender, you could get up to $7,500 in closing cost assistance and up to $10,000 in down payment assistance. If you already have an account with Bank of America, you may be able to get a discount on your origination fee.The lender's Community Affordable Loan Solution is an extremely affordable mortgage aimed at first-time homebuyers. It requires no down payment, closing costs, or mortgage insurance and it has no minimum credit score requirement.What to look out for: To qualify for Bank of America's Community Affordable Loan Solution, you'll need to live in a \"designated market,\" which includes some historically Black and Hispanic neighborhoods in Charlotte, Dallas, Detroit, Los Angeles, and Miami. You'll also need to earn less than the program's income limits. Bank of America Mortgage ReviewBased on Business Insider's review of HMDA data, Better Mortgage borrowers enjoyed significantly lower rates in 2023 compared to many other lenders we've reviewed.In addition to its low rates, Better Mortgage offers features that make it a convenient option, including a tool that lets you compare rates based on your ZIP code and a quick online application process. Better's fees are also around average, so you shouldn't pay a lot in closing costs to get a good rate with this lender. What to look out for: Better's loan offerings are relatively limited compared to some of the other lender's included on this list.Better Mortgage ReviewRocket Mortgage offers a quick, easy online experience and has mortgages with terms as short as eight years — making it a particularly good choice for those who are refinancing, because you can pick the exact term length you need. Most lenders only offer a small couple of term options, such as 15-year and 30-year refinances. Rocket also has a track record of providing great customer service, ranking high for customer satisfaction in J.D. Power's 2024 satisfaction study.Rocket offers a few different affordable mortgage options, including its ONE+ mortgage, which combines a 1% down payment with a 2% grant from the lender. If you don't have a ton of cash saved for your down payment, you might be able to take advantage of this program from Rocket.What to look out for: Its loan options are relatively limited, and it doesn't have any in-person branches. You'll also need to earn 80% or less of the area median income to qualify for a ONE+ mortgage. Rocket's rates and fees are around average compared to other lenders, according to HMDA data.Rocket Mortgage ReviewFairway Independent Mortgage Corporation ranked high for customer satisfaction in J.D. Power's 2024 mortgage origination study, and it has many strong ratings on its Zillow lender page as well, earning a 4.95 out of 5-star rating based on more than 34,000 online customer reviews. This lender provides many types of home loans and has several term lengths to choose from. It also offers both conventional renovation loans and FHA 203(k) rehabilitation mortgages, giving homebuyers purchasing a fixer-upper a range of mortgage options to choose from.Fairway Independent offers a digital closing option, giving borrowers the ability to have a quick, remote closing experience. You may also be able to use non-traditional credit when applying with this lender. What to look out for: Fairway Independent doesn't show any rates online, not even sample rates. To see what rate you might pay with this lender, you'll need to talk to a loan officer or apply for preapproval. In Business Insider's review of the latest HMDA data, Fairway's rates and fees were around average compared to other lenders.Fairway Independent Mortgage Corporation ReviewNavy Federal Credit Union is a great choice for military-affiliated homebuyers, whether they're looking for a VA loan or another type of mortgage. Its Homebuyers Choice mortgage, for example, is a conventional mortgage with no down payment required and no mortgage insurance.Navy Federal received a high score in customer satisfaction from J.D. Power, but didn't rank in the annual study because it doesn't meet certain criteria. Its average fees are on the low end, according to HMDA data.What to look out for: The BBB gives Navy Federal an NR (No Rating) because it's currently responding to complaints that were previously closed. You can only become a member of Navy Federal Credit Union if you or your family is affiliated with the military, you are a Department of Defense civilian personnel or contractor, or you live with a Navy Federal member.In our review of HMDA data, we found that Navy Federal's mortgage rates were around average. Navy Federal Credit Union Mortgage ReviewVeterans United is one of the best VA mortgage lenders in the U.S., and it earned very high customer satisfaction ratings, according to J.D. Power. It's a good option for several types of mortgages, but VA loans are its strongest products. It could also be a good fit if you have a poor credit score, since it offers free credit counseling. Veterans United has low average fees, according to HMDA data.What to look out for: Veterans United shows some sample mortgage rates that can be customized by credit score, but to see a more personalized rate quote, you'll need to provide contact information. According to the latest data, its conventional loan rates are around average compared to other lendersVeterans United Home Loans ReviewGuild Mortgage frequently ranks on our \"best of\" mortgage guides, thanks to its huge variety of mortgage offerings. Borrowers can get a mortgage from this lender using non-traditional credit, such as rent payment history, if they don't have a traditional credit score. Guild also offers a hybrid digital closing option.What to look out for: Guild doesn't display any rates online, making it difficult to get an idea of exactly how affordable this lender it. In our review of the latest HMDA data, Guild's rates and fees were around average compared to other lenders. It also ranked low in J.D. Power's 2023 mortgage origination satisfaction study.Guild Mortgage ReviewCarrington Mortgage Services is one of our favorite lenders for borrowers with low credit scores. It has flexible credit requirements on many of its mortgages, and government-backed mortgage borrowers can get a loan from Carrington with a score as low as 500.You can also get a Carrington Flexible Advantage mortgage, which allows borrowers with credit scores as low as 550 and recent negative credit events to get a mortgage.What to look out for: Carrington doesn't lend in Massachusetts or North Dakota. It also doesn't show its rates online, though our review of HMDA data found both its rates and fees to be a bit high.Carrington has an NR, or \"no rating\" from the BBB because the lender is responding to previously closed complaints. Additionally, in November 2022, the Consumer Financial Protection Bureau ordered Carrington to pay $5.25 million in fines for supposedly violating borrowers' CARES Act rights. The CFPB claims that the lender misled borrowers seeking CARES Act forbearance and denied them key protections provided by the pandemic-era law.Carrington Mortgage Services ReviewChase is another of our favorite lenders for cash-strapped first-time homebuyers. The Chase DreaMaker mortgage is an affordable option for lower-income borrowers, with a minimum down payment requirement of just 3% and flexible credit guidelines. Its Homebuyer Grant program also gives out up to $7,500.Chase ranked above average on J.D. Power's Primary Mortgage Origination Satisfaction Study. What to look out for: Chase's mortgage offerings are relatively basic. To qualify for a DreaMaker mortgage, you'll need to meet income limits. Chase's rates and fees are around average compared to other lenders, according to HMDA data.Chase Mortgage ReviewTruist is one of our most highly-rated mortgage lenders, and it offers a number of affordable mortgages, including low or no down payment options for both first-time and subsequent homebuyers.Truist's Community Homeownership Incentive Program is an extremely affordable mortgage for those who qualify, offering up to 100% financing in certain areas and 97% financing everywhere else with no PMI. It's one of our favorite loans for first-time homebuyers.In our review of the latest HMDA data, we found Truist to have relatively low average fees.What to look out for: Truist lacks transparency when it comes to exploring its current rates. Its average rates are a bit high, according to HMDA data. It ranked low in J.D. Power's 2024 Mortgage Origination Satisfaction Study. Truist Mortgage ReviewThird Federal Savings and Loan offers a wide range of unique benefits to its mortgage borrowers, including low down payment mortgages with no PMI and generous down payment assistance offerings. This lender also offers a Low Cost Mortgage option where you pay only $295 in closing costs — however, you will pay a slightly higher rate with this option.In our review of the latest HMDA data, we found that Third Federal had low average rates compared to other lenders.What to look out for: Third Federal is only available in California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Tennessee, Virginia, Washington, and Washington, DC. Its only physical branches are in Ohio and Florida.It also doesn't offer any government-backed mortgages.Third Federal Savings and Loan Mortgage ReviewCrossCountry Mortgage offers a wide range of mortgages, including more niche loan types for those in unique situations. In addition to its standard lineup, you can get manufactured home loans, foreign national loans, bank statement loans, and many other types of mortgages from this lender. Its CCM Smart Start and CCM Community Promise programs also offer down payment assistance for eligible borrowers.CrossCountry doesn't set a minimum credit score on its loans, and it will let you apply for some of its loans with non-traditional credit (like your rent payment history) if you don't have a credit score. What to look out for: CrossCountry Mortgage doesn't display any sample rates online. Through our review of HMDA data we found that this lender's rates and fees are around average. This lender ranks low in customer satisfaction according to J.D. Power. But it has many positive online customer reviews.To qualify for CCM Smart Start, you'll need to be a low-to-middle income first-time homebuyer. To qualify for CCM Community Promise, you'll need to live in an eligible metro area. CrossCountry Mortgage ReviewDiscover is a good lender if you're looking to refinance or take money out of your house, and you don't want to pay money at closing.This lender offers conventional mortgage refinances and home equity loans with no fees at closing, including third-party fees. Discover will cover these fees for you.What to look out for: Because it's covering borrower fees at closing, Discover's rates are somewhat higher than average. It doesn't offer any other types of mortgages other than conventional refinances and home equity loans.Discover Home Loans ReviewFlagstar Bank offers a wide variety of affordable mortgages, including its professional loan program. While many lenders offer mortgages for medical doctors who may have a harder time qualifying for a mortgage due to their larger-than-average student debt loads, Flagstar's program is much more expansive. In addition to physicians, this mortgage is also available to nurses, physician assistants, dentists, eye doctors, veterinarians, CPAs, airline pilots, attorneys, and other professionals.What to look out for: Flagstar's rates and fees are around average, according to HMDA data.Flagstar Bank Mortgage ReviewWe include mortgage lenders that are good for a variety of different borrower situations. Since everyone's circumstances are different, the right lender for you might not be the same lender that's right for someone else. In general, looking for lenders that have low average rates and fees while providing great customer service is a strong place to start.As you shop for a mortgage lender, consider both the rates you're offered as well as other costs you'll pay, including lender fees or discount points. Think about what additional features are important to you, too, such as an easy online application or other digital tools.Not every lender offers every type of mortgage. If you aren't sure what type is right for you, it might be worth talking to a mortgage broker, who will have access to many different loan types from a variety of lenders.You'll want to apply for a mortgage with multiple lenders to get an idea of what's available to you. Many experts recommend getting quotes from at least three different lenders to be sure you're getting a good rate. You can get preapproved with multiple lenders to compare rates, but you may get more accurate quotes once you have a signed purchase agreement. Adjustable-rate mortgages sometimes (but not always) have lower rates than fixed-rate mortgages. However, ARMs come with the risk that your rate can go up over time once the intro rate period is over. Make sure you're comparing apples to apples when you compare mortgage rates. This includes both ARMs vs. fixed-rate mortgages as well as other types of mortgages. For example, government-backed mortgages often have lower rates than conventional loans.If you're buying a home, particularly if you're doing so for the first time, a mortgage lender with good customer service is vital. Home purchase contracts come with tight deadlines and consequences if those deadlines aren't met. You want to work with a lender that is efficient, easy to get ahold of if you need assistance or have questions, and is proactive about potential issues. Speed isn't as vital when you're refinancing, since you aren't working against a deadline. But it's still important to have a competent lender.Multiple lenders on this list rank very high in customer satisfaction, including Fairway Independent, Rocket Mortgage, Bank of America, CrossCountry Mortgage, and Chase. Many mortgage lenders now offer online applications and other services, even if they started as traditional brick-and-mortar lenders. But there can still be some differences between lenders that are only online and lenders with both an online and physical presence.Online-only lenders can sometimes be more affordable because they have fewer operational costs. But this isn't always the case. For example, Bank of America and Chase both have low average rates and fees despite being large financial institutions with branches around the U.S. You might want to work with a traditional lender if you value in-person support or want to work with a loan officer who is local to you. As you search for the right lender, see which ones have branches near you.You might also want to consider going with a smaller, local lender or credit union. Because they're smaller and work with fewer clients, these institutions are often able to offer more personalized help and have better knowledge of your local real estate market and its norms.The best way to find the right fit for you is to apply with multiple lenders. That way, you can compare service, costs, and beneficial features before deciding which one you want to work with.Some mortgage lenders are better for certain borrowers or situations than others. For example, we think Rocket Mortgage is a good lender for refinancing because it offers the ability to customize your term length, which allows you to avoid resetting your loan term.In our guide to the best mortgage lenders for first-time homebuyers, Bank of America was our top pick. A good lender for first-time buyers should offer loans and features specifically geared toward these borrowers. Look for lenders that have low-down-payment mortgages and offer additional help like down payment grants. We have guides to the best lenders for each of the three main types of government-backed mortgages.Lenders will ask for many different documents when you apply for a mortgage, so it's a good idea to have them ready to go ahead of time. This will likely include paystubs, W-2s or 1099s, tax returns, bank statements and other asset account statements, and any other documentation showing your income and savings. Typically, the mortgage application process starts with a preapproval. With this kind of approval, the lender will take a look at your credit and finances and tell you how much it is willing to lend you based on the information it looked at. You'll use your preapproval to shop for homes and make offers. Once you have an offer accepted, you'll apply for approval. The lender may ask for more documentation at this stage, including a copy of your signed purchase contract. Once you're approved, you'll receive a loan estimate with all the details of your proposed mortgage, including estimated closing costs.If you decide to move forward, the lender will begin processing and underwriting your loan. It will order an appraisal to make sure the home is worth what you've agreed to pay for it, and underwriters will work to verify that you meet the lender's standards and can afford the loan. If all goes well, you'll receive final approval and be cleared to close.There isn't a single best bank for a mortgage. The best mortgage lender for you is the one that you qualify with that offers the type of mortgage you're looking for and can give you the best deal in terms of its interest rates and fees.For the lender with the lowest mortgage rates, we recommend Better Mortgage based on its average rates in 2023, but you might find lower rates elsewhere depending on your individual financial situation. Take a look at Business Insider's daily mortgage rate updates to see the average mortgage rates for various term lengths.Yes. You should apply for preapproval with more than one mortgage lender to compare the rates and features you're being offered to make sure you're getting the best deal. Some lenders charge a fee to apply for a mortgage. This fee can cost as much as $500 up front and is typically non-refundable. Not all lenders charge the same fees, which is why it's important to not only consider the rate a lender is offering you, but the overall cost as well.The most reliable way to find the best mortgage lender is to pick out a few different lenders that offer loans and features you're looking for and get preapproved with each of them. That way, you can compare rates and fees and get a sense of which lender you'd prefer to work with.Many mortgage lenders like to advertise that they have the fastest closing times, but how quickly you get through the process with any given lender really depends on the details of your loan, including the type of mortgage you're getting. If being quick is important to you, look for lenders that are known for having good, responsive customer service, and prepare all your documentation ahead of time so you don't hold up the process.To get a better rate, aim to have a credit score of at least 700 and a debt-to-income ratio of 36% or less. Having a larger down payment can also help you snag a lower rate. Get quotes from multiple lenders to see which one can offer you the best rate.Yes, you can switch mortgage lenders before closing, and it may help you save if you find a better deal elsewhere. But this can cause closing delays or cost you money (if, for example, you need to get a new appraisal), so be sure to consider all the pros and cons.Mortgage lenders specialize in lending. Banks focus on several areas, including personal banking, lending, and investments. Both can be good options for getting a mortgage. Look for companies that offer features you want, like low fees or robust digital tools.To help you learn more about homebuying, mortgages, and lenders, four experts weighed in:Here's their advice about how to evaluate mortgage lenders, and how to decide which type of mortgage is best for you. (Some text may be lightly edited for clarity.)What factors should someone take into consideration when choosing a mortgage lender?Anthony Park, author:\"The canned answer is to just go with the lowest rate. However, you also want to take into account who's going to serve your loan best. Are repayments going to be easy for you? Who is most likely to be able to help you if you need to take out a HELOC or refinance later, versus somebody who's more of a one-off type?\"They may have the lowest rates to get you involved, but they might have very, very little hand holding after the fact. I wouldn't recommend paying an exorbitant amount more for potential services in the future, but just don't always necessarily go with the rock-bottom lowest rate. There's sometimes a cost with that.\"Molly Grace, Business Insider:\"Remember that you're not just choosing a mortgage lender — you're also building a homebuying team. To snag the home you want in this competitive market, you need a lender that can move quickly and has good communication with you and your real estate agent.When I was looking for a house, I was able to text my loan officer (whom my real estate agent recommended) and get quick replies when I had questions or needed an updated preapproval letter for an offer. As you compare lenders, pay attention to how responsive they are, and ask your agent if they have any experience with the lenders you're considering.\"How can someone decide between a conventional mortgage vs. a government-backed mortgage?Molly Grace, Business Insider\"An FHA mortgage is a really helpful option for borrowers with low scores or kind of rocky credit histories. But if you have great credit, you may get a better rate and pay less for mortgage insurance on a conventional mortgage. VA mortgages are really great deals. If you qualify for one, you should definitely go for it. You get zero down with no mortgage insurance — plus some of the best rates available.\"Julie Aragon, Aragon Lending Team:\"The most common government loan that's widely available to almost everyone is the FHA loan. There's a couple of reasons why somebody would go with FHA instead of conventional one. Their credit is a little on the crummy side, let's say below 700. You can get conventional with down to a 620 score, but the mortgage insurance gets really expensive. FHA doesn't discriminate — no matter how perfect or crappy your credit is, the mortgage insurance is the same.\"How can someone know whether they're financially ready to buy a home?Lauryn Williams, CFP:\"You should have funds left over after everything is said and done as it pertains to purchasing the home. So if you don't have an emergency fund plus a down payment, you're probably not ready to purchase a home. Another thing I think about is credit card debt. While you can be approved for a mortgage with credit card debt and student loans and very little cash on hand, you put yourself in a very risky situation.\"Molly Grace, Business Insider\"You have to be ready to dedicate a chunk of your budget to homeownership — and I don't mean your mortgage payment. When you own your house, there's always something that needs taking care of, especially in the first year. We got to our new house on moving day to find that the A/C was out. We paid $700 to have it fixed.\"Methodology: How Did We Choose the Best Mortgage Lenders?To choose the top mortgage lenders of December 2024, we looked at five main factors:See our full ratings methodology for mortgage lenders »","articleSection":"Personal Finance, Loans, Mortgages","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the best bank to get a mortgage?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">There isn't a single best bank for a mortgage. The best mortgage lender for you is the one that you qualify with that offers the type of mortgage you're looking for and can give you the best deal in terms of its interest rates and fees.</p>"}},{"@type":"Question","name":"What lender has the lowest mortgage rates?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">For the lender with the lowest mortgage rates, we recommend Better Mortgage based on its average rates in 2023, but you might find lower rates elsewhere depending on your individual financial situation. Take a look at <a href=\"https://www.businessinsider.com/personal-finance/mortgages\" rel=\"noopener\" data-analytics-product-module=\"body_link\">Business Insider's daily mortgage rate updates</a> to see the average mortgage rates for various term lengths.</p>"}},{"@type":"Question","name":"Should you get preapproved by multiple lenders?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes. You should <a href=\"https://www.businessinsider.com/personal-finance/mortgage-preapproval-letter-before-buying-house\" rel=\"noopener\" data-analytics-product-module=\"body_link\">apply for preapproval</a> with more than one mortgage lender to compare the rates and features you're being offered to make sure you're getting the best deal. </p>"}},{"@type":"Question","name":"How much is a mortgage application fee?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Some lenders charge a fee to apply for a mortgage. This fee can cost as much as $500 up front and is typically non-refundable. Not all lenders charge the same fees, which is why it's important to not only consider the rate a lender is offering you, but the overall cost as well.</p>"}},{"@type":"Question","name":"How do I know which mortgage lender is best?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The most reliable way to find the best mortgage lender is to pick out a few different lenders that offer loans and features you're looking for and get preapproved with each of them. That way, you can compare rates and fees and get a sense of which lender you'd prefer to work with.</p>"}},{"@type":"Question","name":"Which mortgage lender is quickest?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Many mortgage lenders like to advertise that they have the fastest closing times, but how quickly you get through the process with any given lender really depends on the details of your loan, including the type of mortgage you're getting. If being quick is important to you, look for lenders that are known for having good, responsive customer service, and prepare all your <a href=\"https://www.businessinsider.com/personal-finance/documents-needed-for-mortgage-application\" data-analytics-product-module=\"body_link\" rel=\"\">documentation</a> ahead of time so you don't hold up the process.</p>"}},{"@type":"Question","name":"How do I find the best mortgage rate?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">To get a better rate, aim to have a credit score of at least 700 and a <a href=\"https://www.businessinsider.com/personal-finance/debt-to-income-ratio\" rel=\"noopener\" data-analytics-post-depth=\"100\" data-uri=\"e087bb28873d8c3c0ee28916b87d7a81\" data-analytics-product-module=\"body_link\">debt-to-income ratio</a> of 36% or less. Having a larger down payment can also help you snag a lower rate. Get quotes from multiple lenders to see which one can offer you the best rate.</p>"}},{"@type":"Question","name":"Can I switch mortgage lenders if I find a better rate?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, you can switch mortgage lenders before closing, and it may help you save if you find a better deal elsewhere. But this can cause closing delays or cost you money (if, for example, you need to get a new appraisal), so be sure to consider all the pros and cons.</p>"}},{"@type":"Question","name":"Is it better to use a mortgage lender or bank?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Mortgage lenders specialize in lending. Banks focus on several areas, including personal banking, lending, and investments. Both can be good options for getting a mortgage. Look for companies that offer features you want, like low fees or robust digital tools.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/mortgages","name":"Mortgages"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-lenders","name":"Best Mortgage Lenders of December 2024: Mortgage Lender Reviews & Comparisons"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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class="sticky-toc-link helpfulness-mobile-toc" href="#customer-service-and-support" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Customer Service and Support </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#online-vs.-traditional-lending" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Online vs. Traditional Lending </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#specialized-mortgage-lenders" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Specialized Mortgage Lenders </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#how-to-apply" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Apply </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#why-you-should-trust-us" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#-top-mortgage-lenders-of-2024" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Top Mortgage Lenders of 2024 </a> </li> <li> <a href="#best-overall" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Overall </a> </li> <li> <a href="#best-for-low-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Low Rates </a> </li> <li> <a href="#best-for-refinancing" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Refinancing </a> </li> <li> <a href="#best-for-customer-service" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Customer Service </a> </li> <li> <a href="#best-credit-union" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Credit Union </a> </li> <li> <a href="#best-for-veterans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Veterans </a> </li> <li> <a href="#best-for-variety-of-options" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Variety of Options </a> </li> <li> <a href="#best-for-low-credit-scores" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Low Credit Scores </a> </li> <li> <a href="#best-for-low-income-borrowers" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Low-Income Borrowers </a> </li> <li> <a href="#best-for-affordable-mortgage-options" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Affordable Mortgage Options </a> </li> <li> <a href="#best-for-low-closing-costs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Low Closing Costs </a> </li> <li> <a href="#best-for-non-traditional-borrowers" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Non-Traditional Borrowers </a> </li> <li> <a href="#best-for-tapping-into-equity" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Tapping into Equity </a> </li> <li> <a href="#best-for-professional-loans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Professional Loans </a> </li> <li> <a href="#what-makes-a-lender-the-'best'" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > What Makes a Lender the 'Best' </a> </li> <li> <a href="#comparing-mortgage-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Comparing Mortgage Rates </a> </li> <li> <a href="#customer-service-and-support" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Customer Service and Support </a> </li> <li> <a href="#online-vs.-traditional-lending" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Online vs. Traditional Lending </a> </li> <li> <a href="#specialized-mortgage-lenders" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Specialized Mortgage Lenders </a> </li> <li> <a href="#how-to-apply" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Apply </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </ul> </div> </header> <nav class="component my-insider with-banner style-loading" data-my-insider data-component-type="my-insider" data-load-markup="my-insider/template" data-load-strategy="interaction" > <div class='my-insider-header'></div> <div class='my-insider-nav-and-content'></div> </nav> <section id="l-main-content" class="masthead " data-content > <div> <div class="hub-wrapper has-subnav hub-wrapper-helpfulness pfi"> <div class="vertical-title-wrapper"> <div class="hub-nav-wrapper"> <nav class="hub-nav style-loading" data-component-type="hub-nav" data-load-strategy="exclude" > <div class="hub-nav-link-container" data-hub-nav-link-container > <span class="hub-nav-link headline-semibold"> Get Started </span> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/savings" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Savings </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/certificates-of-deposit" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > CDs </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/checking-account" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Checking Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Student Loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-score" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Scores </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/life-insurance" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Life Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance" 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data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Identity Theft Protection </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-score/best-credit-monitoring-services" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Monitoring </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/small-business" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Small Business Banking </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <span class="hub-nav-link headline-semibold"> Featured Reviews </span> <ul class="hub-nav-dropdown"> <li 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class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/cit-bank-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > CIT Bank Review </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/chime-bank-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Chime Checking Account </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/ufb-direct-banking-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > UFB Direct Bank </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/discover-it-cash-back-card-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Discover it Cash Back Credit Card </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-preferred-card-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Chase Sapphire Preferred Credit Card </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance/squaremouth-travel-insurance-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > SquareMouth Travel Insurance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Cards </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-cash-back-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Cash Back Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Rewards Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-zero-interest-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best 0% APR Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Balance Transfer Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best First Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Business Credit Cards </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Insurance </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/auto-insurance/best-car-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Car Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-homeowners-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Homeowners Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/life-insurance/best-life-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Life Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Pet Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-renters-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Renters Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance/best-travel-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Insurance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/banking" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Banking </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Savings Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Checking Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-money-market-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Money Market Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best CD Rates </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-bank-account-bonuses" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Bank Account Bonuses </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-banks" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Banks </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Loans </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best personal loans </a> </li> <li 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class="" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/mortgages" class="" data-track-click="{"product_field":"Mortgages","element_name":"breadcrumbs","event":"navigation"}" > Mortgages </a> </span> </div> <h1 class="post-headline ">Best Mortgage Lenders of December 2024: Mortgage Lender Reviews & Comparisons</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Molly Grace" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/molly-grace" >Molly Grace</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/elias-shaya" >Elias Shaya</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-11-25T22:32:30Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-11-25T22:32:30Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 3.5v3.16h1.469v-3.16a2.05 2.05 0 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href="#best-credit-union" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Credit Union </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#best-for-veterans" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Veterans </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#best-for-variety-of-options" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Variety of Options </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#best-for-low-credit-scores" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Low Credit Scores </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#best-for-low-income-borrowers" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Low-Income Borrowers </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#best-for-affordable-mortgage-options" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Affordable Mortgage Options </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#best-for-low-closing-costs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Low Closing Costs </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#best-for-non-traditional-borrowers" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Non-Traditional Borrowers </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#best-for-tapping-into-equity" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Tapping into Equity </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#best-for-professional-loans" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Professional Loans </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#what-makes-a-lender-the-'best'" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > What Makes a Lender the 'Best' </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#comparing-mortgage-rates" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Comparing Mortgage Rates </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#customer-service-and-support" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Customer Service and Support </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#online-vs.-traditional-lending" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Online vs. Traditional Lending </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#specialized-mortgage-lenders" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Specialized Mortgage Lenders </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#how-to-apply" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Apply </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#why-you-should-trust-us" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#-top-mortgage-lenders-of-2024" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Top Mortgage Lenders of 2024 </a> </li> <li> <a href="#best-overall" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Overall </a> </li> <li> <a href="#best-for-low-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Low Rates </a> </li> <li> <a href="#best-for-refinancing" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Refinancing </a> </li> <li> <a href="#best-for-customer-service" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Customer Service </a> </li> <li> <a href="#best-credit-union" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Credit Union </a> </li> <li> <a href="#best-for-veterans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Veterans </a> </li> <li> <a href="#best-for-variety-of-options" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Variety of Options </a> </li> <li> <a href="#best-for-low-credit-scores" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Low Credit Scores </a> </li> <li> <a href="#best-for-low-income-borrowers" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Low-Income Borrowers </a> </li> <li> <a href="#best-for-affordable-mortgage-options" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Affordable Mortgage Options </a> </li> <li> <a href="#best-for-low-closing-costs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Low Closing Costs </a> </li> <li> <a href="#best-for-non-traditional-borrowers" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Non-Traditional Borrowers </a> </li> <li> <a href="#best-for-tapping-into-equity" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Tapping into Equity </a> </li> <li> <a href="#best-for-professional-loans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Professional Loans </a> </li> <li> <a href="#what-makes-a-lender-the-'best'" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > What Makes a Lender the 'Best' </a> </li> <li> <a href="#comparing-mortgage-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Comparing Mortgage Rates </a> </li> <li> <a href="#customer-service-and-support" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Customer Service and Support </a> </li> <li> <a href="#online-vs.-traditional-lending" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Online vs. Traditional Lending </a> </li> <li> <a href="#specialized-mortgage-lenders" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Specialized Mortgage Lenders </a> </li> <li> <a href="#how-to-apply" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Apply </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/mortgages/how-we-evaluate-mortgage-lenders" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate mortgages</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>Not all mortgage lenders are alike. Shopping around and comparing <a href="https://www.businessinsider.com/personal-finance/mortgages/average-mortgage-interest-rate" data-analytics-product-module="body_link" rel="">current mortgage rates</a> from multiple lenders can help borrowers save money on their monthly mortgage payments and ensure they have a good experience buying or refinancing a home.</p><h2 data-toc-label=" Top Mortgage Lenders of 2024" id="-top-mortgage-lenders-of-2024" class="toc-anchor">Best Mortgage Lenders of 2024</h2><ul><li>Bank of America: Best overall</li><li>Better Mortgage: Best for low rates</li><li>Rocket Mortgage: Best for refinancing</li><li>Fairway Independent Mortgage Corporation: Best for customer service</li><li>Navy Federal Credit Union: Best credit union</li><li>Veterans United: Best for veterans</li><li>Guild Mortgage: Best for variety of options</li><li>Carrington Mortgage Services: Best for low credit scores</li><li>Chase: Best for low-income borrowers</li><li>Truist: Best for affordable mortgage options</li><li>Third Federal Savings and Loan: Best for low closing costs</li><li>CrossCountry Mortgage: Best for non-traditional borrowers</li><li>Discover: Best for tapping into equity</li><li>Flagstar Bank: Best for professional loans</li></ul><div class="myFinance-widget" data-campaign="bi-mtgrt-cashoutrefi-multi" data-widget-id="949ce8ea-ccee-498f-8c33-e019c09fd52f"> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-consent="MARKETING" data-src="https://static.myfinance.com/widget/myFinance.js" data-async="true" data-defer="true"></div> </div><p>To find the best mortgage lenders of 2024, we looked for lenders that have low rates and fees, rank high in customer satisfaction, and offer a good variety of loan types. The best lenders also have features that make their loans more affordable, like <a href="https://www.businessinsider.com/personal-finance/mortgages/down-payment-assistance" data-analytics-product-module="body_link" rel="">down payment assistance</a> or flexible credit requirements.</p><p>To make your search for the best lender easier, Business Insider has picked mortgage lenders that are affordable, thrive in customer satisfaction, and offer a variety of <a href="https://www.businessinsider.com/personal-finance/mortgages/types-of-mortgage-loans" data-analytics-product-module="body_link" rel="">types of mortgages</a> to meet different borrowers' needs.</p><h2>Best Mortgage Lender Comparison</h2><p>Here are the best mortgage lenders of 2024 according to Business Insider editors.</p><h3 data-toc-label="Best Overall" id="best-overall" class="toc-anchor"><strong>Bank of America: </strong>Best Overall</h3><p>Bank of America has some of the lowest average rates and fees, according to the latest <a href="https://ffiec.cfpb.gov/data-browser/" data-analytics-product-module="body_link" rel="">Home Mortgage Disclosure Act data</a>. It also ranked high in customer satisfaction in 2024, according to <a href="https://www.jdpower.com/business/press-releases/2024-us-mortgage-origination-satisfaction-study" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">J.D. Power's Mortgage Origination Satisfaction Study</a>.</p><p>Bank of America has robust offerings for lower-income borrowers. With this lender, you could get up to $7,500 in closing cost assistance and up to $10,000 in down payment assistance. If you already have an account with Bank of America, you may be able to get a discount on your <a href="https://www.businessinsider.com/personal-finance/personal-loans/what-is-an-origination-fee" data-analytics-product-module="body_link" rel="">origination fee</a>.</p><p>The lender's Community Affordable Loan Solution is an extremely affordable mortgage aimed at first-time homebuyers. It requires no down payment, closing costs, or mortgage insurance and it has no minimum credit score requirement.</p><p><strong>What to look out for: </strong>To qualify for Bank of America's Community Affordable Loan Solution, you'll need to live in a "designated market," which includes some historically Black and Hispanic neighborhoods in Charlotte, Dallas, Detroit, Los Angeles, and Miami. You'll also need to earn less than the program's income limits. </p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/bank-of-america-mortgage-review" data-analytics-product-module="body_link" rel="">Bank of America Mortgage Review</a></em></p><h3 data-toc-label="Best for Low Rates" id="best-for-low-rates" class="toc-anchor"><strong>Better Mortgage: </strong>Best for Low Rates</h3><p>Based on Business Insider's review of HMDA data, Better Mortgage borrowers enjoyed significantly lower rates in 2023 compared to many other lenders we've reviewed.</p><p>In addition to its low rates, Better Mortgage offers features that make it a convenient option, including a tool that lets you compare rates based on your ZIP code and a quick online application process. Better's fees are also around average, so you shouldn't pay a lot in closing costs to get a good rate with this lender. </p><p><strong>What to look out for: </strong>Better's loan offerings are relatively limited compared to some of the other lender's included on this list.</p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/better-mortgage-review" data-analytics-product-module="body_link" rel="">Better Mortgage Review</a></em></p><h3 data-toc-label="Best for Refinancing" id="best-for-refinancing" class="toc-anchor"><strong>Rocket Mortgage: </strong>Best for Refinancing</h3><p style="text-align: left;">Rocket Mortgage offers a quick, easy online experience and has mortgages with terms as short as eight years — making it a particularly good choice for those who are refinancing, because you can pick the exact term length you need. Most lenders only offer a small couple of term options, such as 15-year and 30-year refinances. Rocket also has a track record of providing great customer service, ranking high for customer satisfaction in J.D. Power's 2024 satisfaction study.</p><p style="text-align: left;">Rocket offers a few different affordable mortgage options, including its ONE+ mortgage, which combines a 1% down payment with a 2% grant from the lender. If you don't have a ton of cash saved for your down payment, you might be able to take advantage of this program from Rocket.</p><p style="text-align: left;"><strong>What to look out for: </strong>Its loan options are relatively limited, and it doesn't have any in-person branches. You'll also need to earn 80% or less of the <a href="https://ami-lookup-tool.fanniemae.com/amilookuptool/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">area median income</a> to qualify for a ONE+ mortgage. Rocket's rates and fees are around average compared to other lenders, according to HMDA data.</p><p style="text-align: left;"><em><a href="https://www.businessinsider.com/personal-finance/mortgages/rocket-mortgage-review" data-analytics-product-module="body_link" rel="">Rocket Mortgage Review</a></em></p><h3 data-toc-label="Best for Customer Service" id="best-for-customer-service" class="toc-anchor"><strong>Fairway Independent Mortgage Corporation: </strong>Best for Customer Service</h3><p>Fairway Independent Mortgage Corporation ranked high for customer satisfaction in J.D. Power's 2024 mortgage origination study, and it has many strong ratings on its <a href="https://www.zillow.com/lender-profile/FIMC691/" data-analytics-product-module="body_link" rel=" nofollow">Zillow lender page</a> as well, earning a 4.95 out of 5-star rating based on more than 34,000 online customer reviews. </p><p>This lender provides many types of home loans and has several term lengths to choose from. It also offers both conventional renovation loans and FHA 203(k) rehabilitation mortgages, giving homebuyers purchasing a fixer-upper a range of mortgage options to choose from.</p><p>Fairway Independent offers a digital closing option, giving borrowers the ability to have a quick, remote closing experience. You may also be able to use non-traditional credit when applying with this lender. </p><p><strong>What to look out for: </strong>Fairway Independent doesn't show any rates online, not even sample rates. To see what rate you might pay with this lender, you'll need to talk to a loan officer or apply for preapproval. In Business Insider's review of the latest HMDA data, Fairway's rates and fees were around average compared to other lenders.</p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/fairway-independent-mortgage-corporation-review" data-analytics-product-module="body_link" rel="">Fairway Independent Mortgage Corporation Review</a></em></p><h3 style="text-align: left;" data-toc-label="Best Credit Union" id="best-credit-union" class="toc-anchor"><strong>Navy Federal Credit Union Mortgages: </strong>Best Credit Union</h3><p>Navy Federal Credit Union is a great choice for military-affiliated homebuyers, whether they're looking for a VA loan or another type of mortgage. Its Homebuyers Choice mortgage, for example, is a conventional mortgage with no down payment required and no mortgage insurance.</p><p>Navy Federal received a high score in customer satisfaction from J.D. Power, but didn't rank in the annual study because it doesn't meet certain criteria. Its average fees are on the low end, according to HMDA data.</p><p><strong>What to look out for: </strong>The BBB gives Navy Federal an <a href="https://www.bbb.org/us/va/merrifield/profile/credit-union/navy-federal-credit-union-0241-13770" target="_blank" rel="noopener nofollow" data-analytics-post-depth="60" data-analytics-product-module="body_link">NR (No Rating)</a> because it's currently responding to complaints that were previously closed. You can only become a member of Navy Federal Credit Union if you or your family is affiliated with the military, you are a Department of Defense civilian personnel or contractor, or you live with a Navy Federal member.</p><p>In our review of HMDA data, we found that Navy Federal's mortgage rates were around average. </p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/navy-federal-credit-union-mortgage-review" data-analytics-product-module="body_link" rel="">Navy Federal Credit Union Mortgage Review</a></em></p><h3 data-toc-label="Best for Veterans" id="best-for-veterans" class="toc-anchor"><strong>Veterans United </strong><strong>Mortgages: </strong>Best for Veterans</h3><p>Veterans United is one of the best VA mortgage lenders in the U.S., and it earned very high customer satisfaction ratings, according to J.D. Power. It's a good option for several types of mortgages, but VA loans are its strongest products. It could also be a good fit if you have a poor credit score, since it offers free credit counseling. </p><p>Veterans United has low average fees, according to HMDA data.</p><p><strong>What to look out for: </strong>Veterans United shows some sample mortgage rates that can be customized by credit score, but to see a more personalized rate quote, you'll need to provide contact information. According to the latest data, its conventional loan rates are around average compared to other lenders</p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/veterans-united-review" data-analytics-product-module="body_link" rel="">Veterans United Home Loans Review</a></em></p><h3 data-toc-label="Best for Variety of Options" id="best-for-variety-of-options" class="toc-anchor"><strong>Guild Mortgage: </strong>Best for Variety of Options</h3><p>Guild Mortgage frequently ranks on our "best of" mortgage guides, thanks to its huge variety of mortgage offerings. Borrowers can get a mortgage from this lender using non-traditional credit, such as rent payment history, if they don't have a traditional credit score. Guild also offers a hybrid digital closing option.</p><p><strong>What to look out for: </strong>Guild doesn't display any rates online, making it difficult to get an idea of exactly how affordable this lender it. In our review of the latest HMDA data, Guild's rates and fees were around average compared to other lenders. It also ranked low in J.D. Power's 2023 mortgage origination satisfaction study.</p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/guild-mortgage-review" data-analytics-product-module="body_link" rel="">Guild Mortgage Review</a></em></p><h3 data-toc-label="Best for Low Credit Scores" id="best-for-low-credit-scores" class="toc-anchor"><strong>Carrington Mortgage Services: </strong>Best for Low Credit Scores</h3><p>Carrington Mortgage Services is one of our favorite <a href="https://www.businessinsider.com/personal-finance/mortgages/low-credit-score-mortgage-lenders" data-analytics-product-module="body_link" rel="">lenders for borrowers with low credit scores</a>. It has flexible credit requirements on many of its mortgages, and government-backed mortgage borrowers can get a loan from Carrington with a score as low as 500.</p><p>You can also get a Carrington Flexible Advantage mortgage, which allows borrowers with credit scores as low as 550 and recent negative credit events to get a mortgage.</p><p><strong>What to look out for: </strong>Carrington doesn't lend in Massachusetts or North Dakota. It also doesn't show its rates online, though our review of HMDA data found both its rates and fees to be a bit high.</p><p>Carrington has an <a href="https://www.bbb.org/us/ca/anaheim/profile/mortgage-broker/carrington-mortgage-services-llc-1126-100054375" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link" data-analytics-post-depth="40" data-mrf-link="https://www.bbb.org/us/ca/anaheim/profile/mortgage-broker/carrington-mortgage-services-llc-1126-100054375" data-uri="213b5c71c7a99940f4ceb82254505d66">NR, or "no rating"</a> from the BBB because the lender is responding to previously closed complaints. Additionally, in November 2022, <a href="https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-carrington-mortgage-cheating-homeowners-cares-act-rights/" target="_blank" rel="noopener" data-analytics-product-module="body_link" data-analytics-post-depth="40" data-mrf-link="https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-carrington-mortgage-cheating-homeowners-cares-act-rights/" data-uri="7bdf7dfb34c0f4f8445ba1ad516dac89">the Consumer Financial Protection Bureau ordered</a> Carrington to pay $5.25 million in fines for supposedly violating borrowers' CARES Act rights. The CFPB claims that the lender misled borrowers seeking CARES Act forbearance and denied them key protections provided by the pandemic-era law.</p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/carrington-mortgage-services-review" data-analytics-product-module="body_link" rel="">Carrington Mortgage Services Review</a></em></p><h3 data-toc-label="Best for Low-Income Borrowers" id="best-for-low-income-borrowers" class="toc-anchor"><strong>Chase </strong><strong>Mortgages: </strong>Best for Low-Income Borrowers</h3><p>Chase is another of our favorite lenders for cash-strapped first-time homebuyers. The Chase DreaMaker mortgage is an affordable option for lower-income borrowers, with a minimum down payment requirement of just 3% and flexible credit guidelines. Its Homebuyer Grant program also gives out up to $7,500.</p><p>Chase ranked above average on J.D. Power's Primary Mortgage Origination Satisfaction Study. </p><p><strong>What to look out for: </strong>Chase's mortgage offerings are relatively basic. To qualify for a DreaMaker mortgage, you'll need to meet income limits. Chase's rates and fees are around average compared to other lenders, according to HMDA data.</p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/chase-mortgage-review" data-analytics-product-module="body_link" rel="">Chase Mortgage Review</a></em></p><h3 data-toc-label="Best for Affordable Mortgage Options" id="best-for-affordable-mortgage-options" class="toc-anchor"><strong>Truist </strong><strong>Mortgages: </strong>Best for Affordable Mortgage Options</h3><p>Truist is one of our most highly-rated mortgage lenders, and it offers a number of affordable mortgages, including low or no down payment options for both first-time and subsequent homebuyers.</p><p>Truist's Community Homeownership Incentive Program is an extremely affordable mortgage for those who qualify, offering up to 100% financing in certain areas and 97% financing everywhere else with no PMI. It's one of our favorite loans for first-time homebuyers.</p><p>In our review of the latest HMDA data, we found Truist to have relatively low average fees.</p><p><strong>What to look out for: </strong>Truist lacks transparency when it comes to exploring its current rates. Its average rates are a bit high, according to HMDA data. It ranked low in J.D. Power's 2024 Mortgage Origination Satisfaction Study. </p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/truist-mortgage-review" data-analytics-product-module="body_link" rel="">Truist Mortgage Review</a></em></p><h3 data-toc-label="Best for Low Closing Costs" id="best-for-low-closing-costs" class="toc-anchor"><strong>Third Federal Savings and Loan </strong><strong>Mortgages: </strong>Best for Low Closing Costs</h3><p>Third Federal Savings and Loan offers a wide range of unique benefits to its mortgage borrowers, including low down payment mortgages with no PMI and generous down payment assistance offerings. This lender also offers a Low Cost Mortgage option where you pay only $295 in closing costs — however, you will pay a slightly higher rate with this option.</p><p>In our review of the latest HMDA data, we found that Third Federal had low average rates compared to other lenders.</p><p><strong>What to look out for: </strong>Third Federal is only available in California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Tennessee, Virginia, Washington, and Washington, DC. Its only physical branches are in Ohio and Florida.</p><p>It also doesn't offer any government-backed mortgages.</p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/third-federal-savings-and-loan-mortgage-review" data-analytics-product-module="body_link" rel="">Third Federal Savings and Loan Mortgage Review</a></em></p><h3 data-toc-label="Best for Non-Traditional Borrowers" id="best-for-non-traditional-borrowers" class="toc-anchor"><strong>CrossCountry Mortgage: </strong>Best for Non-Traditional Borrowers</h3><p>CrossCountry Mortgage offers a wide range of mortgages, including more niche loan types for those in unique situations. In addition to its standard lineup, you can get manufactured home loans, foreign national loans, bank statement loans, and many other types of mortgages from this lender. Its CCM Smart Start and CCM Community Promise programs also offer down payment assistance for eligible borrowers.</p><p>CrossCountry doesn't set a minimum credit score on its loans, and it will let you apply for some of its loans with non-traditional credit (like your rent payment history) if you don't have a credit score. </p><p><strong>What to look out for: </strong>CrossCountry Mortgage doesn't display any sample rates online. Through our review of HMDA data we found that this lender's rates and fees are around average. This lender ranks low in customer satisfaction according to J.D. Power. But it has many positive online customer reviews.</p><p>To qualify for CCM Smart Start, you'll need to be a low-to-middle income first-time homebuyer. To qualify for CCM Community Promise, you'll need to live in an eligible metro area. </p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/crosscountry-mortgage-review" data-analytics-product-module="body_link" rel="">CrossCountry Mortgage Review</a></em></p><h3 data-toc-label="Best for Tapping into Equity" id="best-for-tapping-into-equity" class="toc-anchor"><strong>Discover Home Loans: </strong>Best for Tapping into Equity</h3><p>Discover is a good lender if you're looking to refinance or take money out of your house, and you don't want to pay money at closing.</p><p>This lender offers conventional mortgage refinances and home equity loans with no fees at closing, including third-party fees. Discover will cover these fees for you.</p><p><strong>What to look out for: </strong>Because it's covering borrower fees at closing, Discover's rates are somewhat higher than average. It doesn't offer any other types of mortgages other than conventional refinances and home equity loans.</p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/discover-home-loans-review" data-analytics-product-module="body_link" rel="">Discover Home Loans Review</a></em></p><h3 data-toc-label="Best for Professional Loans" id="best-for-professional-loans" class="toc-anchor"><strong>Flagstar Bank Mortgages: </strong>Best for Professional Loans</h3><p>Flagstar Bank offers a wide variety of affordable mortgages, including its professional loan program. While many lenders offer mortgages for medical doctors who may have a harder time qualifying for a mortgage due to their larger-than-average student debt loads, Flagstar's program is much more expansive. In addition to physicians, this mortgage is also available to nurses, physician assistants, dentists, eye doctors, veterinarians, CPAs, airline pilots, attorneys, and other professionals.</p><p><strong>What to look out for: </strong>Flagstar's rates and fees are around average, according to HMDA data.</p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/flagstar-bank-mortgage-review" data-analytics-product-module="body_link" rel="">Flagstar Bank Mortgage Review</a></em></p><h2 data-toc-label="What Makes a Lender the 'Best'" id="what-makes-a-lender-the-'best'" class="toc-anchor">What Makes a Mortgage Lender the 'Best'</h2><p>We include mortgage lenders that are good for a variety of different borrower situations. Since everyone's circumstances are different, the right lender for you might not be the same lender that's right for someone else. </p><p>In general, looking for lenders that have low average rates and fees while providing great customer service is a strong place to start.</p><h3>Factors to Consider When Choosing a Mortgage Lender</h3><p>As you shop for a mortgage lender, consider both the rates you're offered as well as other costs you'll pay, including lender fees or discount points. Think about what additional features are important to you, too, such as an easy online application or other digital tools.</p><p>Not every lender offers every type of mortgage. If you aren't sure what type is right for you, it might be worth talking to a <a href="https://www.businessinsider.com/personal-finance/mortgages/mortgage-broker" data-analytics-product-module="body_link" rel="">mortgage broker</a>, who will have access to many different loan types from a variety of lenders.</p><h2 data-toc-label="Comparing Mortgage Rates" id="comparing-mortgage-rates" class="toc-anchor">Comparing Mortgage Rates</h2><h3>How to Compare Mortgage Rates</h3><p>You'll want to apply for a mortgage with multiple lenders to get an idea of what's available to you. Many experts recommend getting quotes from at least three different lenders to be sure you're getting a good rate. You can get <a href="https://www.businessinsider.com/personal-finance/mortgages/mortgage-preapproval" data-analytics-product-module="body_link" rel="">preapproved</a> with multiple lenders to compare rates, but you may get more accurate quotes once you have a signed purchase agreement. </p><h3>Fixed vs. Adjustable Mortgage Rates</h3><p><a href="https://www.businessinsider.com/personal-finance/mortgages/adjustable-rate-mortgage" data-analytics-product-module="body_link" rel="">Adjustable-rate mortgages</a> sometimes (but not always) have lower rates than fixed-rate mortgages. However, ARMs come with the risk that your rate can go up over time once the intro rate period is over. </p><p>Make sure you're comparing apples to apples when you compare mortgage rates. This includes both ARMs vs. <a href="https://www.businessinsider.com/personal-finance/mortgages/what-is-fixed-rate-mortgage" data-analytics-product-module="body_link" rel="">fixed-rate mortgages</a> as well as other types of mortgages. For example, government-backed mortgages often have lower rates than conventional loans.</p><h2 data-toc-label="Customer Service and Support" id="customer-service-and-support" class="toc-anchor">Best Mortgage Companies and Customer Support</h2><h3>Importance of Customer Service</h3><p>If you're buying a home, particularly if you're doing so for the first time, a mortgage lender with good customer service is vital. Home purchase contracts come with tight deadlines and consequences if those deadlines aren't met. You want to work with a lender that is efficient, easy to get ahold of if you need assistance or have questions, and is proactive about potential issues. </p><p>Speed isn't as vital when you're <a href="https://www.businessinsider.com/personal-finance/mortgages/when-to-refinance-mortgage" data-analytics-product-module="body_link" rel="">refinancing</a>, since you aren't working against a deadline. But it's still important to have a competent lender.</p><h3>Top Mortgage Lenders for Customer Support</h3><p>Multiple lenders on this list rank very high in customer satisfaction, including Fairway Independent, Rocket Mortgage, Bank of America, CrossCountry Mortgage, and Chase. </p><h2 data-toc-label="Online vs. Traditional Lending" id="online-vs.-traditional-lending" class="toc-anchor">Online vs. Traditional Lending</h2><p>Many mortgage lenders now offer online applications and other services, even if they started as traditional brick-and-mortar lenders. But there can still be some differences between lenders that are only online and lenders with both an online and physical presence.</p><h3>Pros and Cons of Each</h3><p>Online-only lenders can sometimes be more affordable because they have fewer operational costs. But this isn't always the case. For example, Bank of America and Chase both have low average rates and fees despite being large financial institutions with branches around the U.S. </p><p>You might want to work with a traditional lender if you value in-person support or want to work with a loan officer who is local to you. As you search for the right lender, see which ones have branches near you.</p><p>You might also want to consider going with a smaller, local lender or credit union. Because they're smaller and work with fewer clients, these institutions are often able to offer more personalized help and have better knowledge of your local real estate market and its norms.</p><h3>How to Choose What's Right for You</h3><p>The best way to find the right fit for you is to apply with multiple lenders. That way, you can compare service, costs, and beneficial features before deciding which one you want to work with.</p><h2 data-toc-label="Specialized Mortgage Lenders" id="specialized-mortgage-lenders" class="toc-anchor">Specialized Mortgage Lenders</h2><p>Some mortgage lenders are better for certain borrowers or situations than others. For example, we think Rocket Mortgage is a good lender for refinancing because it offers the ability to customize your term length, which allows you to avoid resetting your loan term.</p><h3>Best for First-Time Buyers</h3><p>In our guide to the <a href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-lenders-first-time-buyers" data-analytics-product-module="body_link" rel="">best mortgage lenders for first-time homebuyers</a>, Bank of America was our top pick. A good lender for first-time buyers should offer loans and features specifically geared toward these borrowers. Look for lenders that have low-down-payment mortgages and offer additional help like down payment grants.  </p><h3>Best for Government-Backed Mortgages</h3><p>We have guides to the best lenders for each of the three main types of government-backed mortgages.</p><ul><li>In our guide to the <a href="https://www.businessinsider.com/personal-finance/mortgages/fha-interest-rates#fha-lender-reviews" rel="">best lenders for FHA loans</a>, New American Funding is our top pick</li><li>Veterans United is the "best overall" pick in our <a href="https://www.businessinsider.com/personal-finance/mortgages/best-va-mortgage-lenders" rel="">best VA lenders</a> guide</li><li>Fairway Independent is our top pick for <a href="https://www.businessinsider.com/personal-finance/mortgages/best-usda-loan-lenders" rel="">USDA loan lenders</a></li></ul><h2 data-toc-label="How to Apply" id="how-to-apply" class="toc-anchor">How to Apply With a Top Mortgage Lender</h2><h3>Preparing Your Documentation</h3><p>Lenders will ask for many different <a href="https://www.businessinsider.com/personal-finance/mortgages/documents-needed-for-mortgage-application" data-analytics-product-module="body_link" rel="">documents when you apply for a mortgage</a>, so it's a good idea to have them ready to go ahead of time. This will likely include paystubs, W-2s or 1099s, tax returns, bank statements and other asset account statements, and any other documentation showing your income and savings. </p><h3>Understanding the Mortgage Application Process</h3><p>Typically, the mortgage application process starts with a preapproval. With this kind of approval, the lender will take a look at your credit and finances and tell you how much it is willing to lend you based on the information it looked at. You'll use your preapproval to shop for homes and make offers. </p><p>Once you have an offer accepted, you'll apply for approval. The lender may ask for more documentation at this stage, including a copy of your signed purchase contract. Once you're approved, you'll receive a loan estimate with all the details of your proposed mortgage, including estimated closing costs.</p><p>If you decide to move forward, the lender will begin processing and underwriting your loan. It will order an <a href="https://www.businessinsider.com/personal-finance/mortgages/what-is-home-appraisal" data-analytics-product-module="body_link" rel="">appraisal</a> to make sure the home is worth what you've agreed to pay for it, and underwriters will work to verify that you meet the lender's standards and can afford the loan. If all goes well, you'll receive final approval and be cleared to close.</p><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">Best Home Loan Lender Frequently Asked Questions</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the best bank to get a mortgage? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">There isn't a single best bank for a mortgage. The best mortgage lender for you is the one that you qualify with that offers the type of mortgage you're looking for and can give you the best deal in terms of its interest rates and fees.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What lender has the lowest mortgage rates? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">For the lender with the lowest mortgage rates, we recommend Better Mortgage based on its average rates in 2023, but you might find lower rates elsewhere depending on your individual financial situation. Take a look at <a href="https://www.businessinsider.com/personal-finance/mortgages" rel="noopener" data-analytics-product-module="body_link">Business Insider's daily mortgage rate updates</a> to see the average mortgage rates for various term lengths.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Should you get preapproved by multiple lenders? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes. You should <a href="https://www.businessinsider.com/personal-finance/mortgage-preapproval-letter-before-buying-house" rel="noopener" data-analytics-product-module="body_link">apply for preapproval</a> with more than one mortgage lender to compare the rates and features you're being offered to make sure you're getting the best deal. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How much is a mortgage application fee? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Some lenders charge a fee to apply for a mortgage. This fee can cost as much as $500 up front and is typically non-refundable. Not all lenders charge the same fees, which is why it's important to not only consider the rate a lender is offering you, but the overall cost as well.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I know which mortgage lender is best? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The most reliable way to find the best mortgage lender is to pick out a few different lenders that offer loans and features you're looking for and get preapproved with each of them. That way, you can compare rates and fees and get a sense of which lender you'd prefer to work with.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Which mortgage lender is quickest? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Many mortgage lenders like to advertise that they have the fastest closing times, but how quickly you get through the process with any given lender really depends on the details of your loan, including the type of mortgage you're getting. If being quick is important to you, look for lenders that are known for having good, responsive customer service, and prepare all your <a href="https://www.businessinsider.com/personal-finance/documents-needed-for-mortgage-application" data-analytics-product-module="body_link" rel="">documentation</a> ahead of time so you don't hold up the process.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I find the best mortgage rate? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">To get a better rate, aim to have a credit score of at least 700 and a <a href="https://www.businessinsider.com/personal-finance/debt-to-income-ratio" rel="noopener" data-analytics-post-depth="100" data-uri="e087bb28873d8c3c0ee28916b87d7a81" data-analytics-product-module="body_link">debt-to-income ratio</a> of 36% or less. Having a larger down payment can also help you snag a lower rate. Get quotes from multiple lenders to see which one can offer you the best rate.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I switch mortgage lenders if I find a better rate? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, you can switch mortgage lenders before closing, and it may help you save if you find a better deal elsewhere. But this can cause closing delays or cost you money (if, for example, you need to get a new appraisal), so be sure to consider all the pros and cons.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is it better to use a mortgage lender or bank? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Mortgage lenders specialize in lending. Banks focus on several areas, including personal banking, lending, and investments. Both can be good options for getting a mortgage. Look for companies that offer features you want, like low fees or robust digital tools.</p> </div> </div> </div><h2 data-toc-label="Why You Should Trust Us" id="why-you-should-trust-us" class="toc-anchor">Why You Should Trust Us: Our Expert Panel on Choosing the Best Mortgage Lender</h2><figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 765 / 1956)"> <meta itemprop="contentUrl" content="https://i.insider.com/643432043007470019fe4f18"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/643432043007470019fe4f18":{"contentType":"image/png","aspectRatioW":1956,"aspectRatioH":765}}" alt="Mortgage expert panel"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Insider </span> </span> </figure><p>To help you learn more about homebuying, mortgages, and lenders, four experts weighed in:</p><ul><li><strong>Anthony Park</strong>, author of <a href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71268-20&h=7acf6c16b20b5945df70c15163f8e1ad0fa5ceeca46ade67f263ac1104a05f9a&platform=browser&postID=669be255c79d31931d7eb435&postSlug=personal-finance%2Fmortgages%2Fbest-mortgage-lenders&site=bi&u=https%3A%2F%2Fwww.amazon.com%2FHow-Your-Perfect-First-Home-ebook%2Fdp%2FB07KXVCHV2" target="_blank" rel="noopener nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=7acf6c16b20b5945df70c15163f8e1ad0fa5ceeca46ade67f263ac1104a05f9a&u=https%3A%2F%2Fwww.amazon.com%2FHow-Your-Perfect-First-Home-ebook%2Fdp%2FB07KXVCHV2">"How to Buy Your Perfect First Home"</a></li><li><strong>Lauryn Williams</strong>, certified financial planner, founder of <a href="https://www.worth-winning.com/" target="_blank" rel="noopener nofollow">Worth Winning Financial Planning</a></li><li><strong>Julie Aragon</strong>, mortgage broker, founder of <a href="https://aragonlending.com/" target="_blank" rel="noopener nofollow">Aragon Lending Team</a></li><li><strong>Molly Grace</strong>, mortgage reporter at <a href="https://www.businessinsider.com/personal-finance" rel="">Business Insider</a></li></ul><p>Here's their advice about how to evaluate mortgage lenders, and how to decide which type of mortgage is best for you. (Some text may be lightly edited for clarity.)</p><p><strong>What factors should someone take into consideration when choosing a mortgage lender?</strong></p><p><strong>Anthony Park, author:</strong></p><p>"The canned answer is to just go with the lowest rate. However, you also want to take into account who's going to serve your loan best. Are repayments going to be easy for you? Who is most likely to be able to help you if you need to take out a HELOC or refinance later, versus somebody who's more of a one-off type?</p><p>"They may have the lowest rates to get you involved, but they might have very, very little hand holding after the fact. I wouldn't recommend paying an exorbitant amount more for potential services in the future, but just don't always necessarily go with the rock-bottom lowest rate. There's sometimes a cost with that."</p><p><strong>Molly Grace, Business Insider:</strong></p><p>"Remember that you're not just choosing a mortgage lender — you're also building a homebuying team. To snag the home you want in this competitive market, you need a lender that can move quickly and has good communication with you and your real estate agent.</p><p>When I was looking for a house, I was able to text my loan officer (whom my real estate agent recommended) and get quick replies when I had questions or needed an updated preapproval letter for an offer. As you compare lenders, pay attention to how responsive they are, and ask your agent if they have any experience with the lenders you're considering."</p><p><strong>How can someone decide between a conventional mortgage vs. a government-backed mortgage?</strong></p><p><strong>Molly Grace, Business Insider</strong></p><p>"An <a href="https://www.businessinsider.com/personal-finance/mortgages/fha-loan" data-analytics-product-module="body_link" rel="">FHA mortgage</a> is a really helpful option for borrowers with low scores or kind of rocky credit histories. But if you have great credit, you may get a better rate and pay less for mortgage insurance on a conventional mortgage. </p><p><a href="https://www.businessinsider.com/personal-finance/mortgages/va-loans" data-analytics-product-module="body_link" rel="">VA mortgages</a> are really great deals. If you qualify for one, you should definitely go for it. You get zero down with no mortgage insurance — plus some of the best rates available."</p><p><strong>Julie Aragon, Aragon Lending Team:</strong></p><p>"The most common government loan that's widely available to almost everyone is the FHA loan. There's a couple of reasons why somebody would go with FHA instead of conventional one. Their credit is a little on the crummy side, let's say below 700. You can get conventional with down to a 620 score, but the mortgage insurance gets really expensive. FHA doesn't discriminate — no matter how perfect or crappy your credit is, the mortgage insurance is the same."</p><p><strong>How can someone know whether they're financially ready to buy a home?</strong></p><p><strong>Lauryn Williams, CFP:</strong></p><p>"You should have funds left over after everything is said and done as it pertains to purchasing the home. So if you don't have an <a href="https://www.businessinsider.com/personal-finance/banking/what-is-an-emergency-fund" data-analytics-product-module="body_link" rel="">emergency fund</a> <em>plus</em> a down payment, you're probably not ready to purchase a home. Another thing I think about is credit card debt. While you can be approved for a mortgage with credit card debt and student loans and very little cash on hand, you put yourself in a very risky situation."</p><p><strong>Molly Grace, Business Insider</strong></p><p>"You have to be ready to dedicate a chunk of your budget to homeownership — and I don't mean your mortgage payment. When you own your house, there's always something that needs taking care of, especially in the first year. We got to our new house on moving day to find that the A/C was out. We paid $700 to have it fixed."</p><p><strong>Methodology: How Did We Choose the Best Mortgage Lenders?</strong></p><p>To choose the top mortgage lenders of December 2024, we looked at five main factors:</p><ul><li><strong>Variety of loan types.</strong> The best mortgage lenders have products and services that meet most borrowers' needs. We looked for lenders that offer the most common types of mortgages, including <a href="https://www.businessinsider.com/personal-finance/mortgages/conventional-mortgage" rel="">conventional loans</a>, <a href="https://www.businessinsider.com/personal-finance/mortgages/government-home-loans" rel="">government-backed loans</a>, and <a href="https://www.businessinsider.com/personal-finance/mortgages/what-is-a-jumbo-loan" rel="">jumbo loans</a>. We also considered whether they offer more niche types of loans — such as renovation loans, <a href="https://www.businessinsider.com/personal-finance/mortgages/best-home-equity-loan-lenders" rel="">home equity loans</a> or <a href="https://www.businessinsider.com/personal-finance/mortgages/best-heloc-lenders" rel="">HELOCs</a>, or specialty loans (mortgages that are unique to a specific lender).</li><li><strong>Customer satisfaction.</strong> If the lender appeared in the <a href="https://www.jdpower.com/business/press-releases/2023-us-mortgage-origination-satisfaction-study" target="_blank" rel="noopener nofollow">J.D. Power 2023 Mortgage Origination Satisfaction Study</a>, we looked at its ranking. We also looked at online customer reviews to get a sense of what borrowers think about a particular lender, and if there are any common complaints.</li><li><strong>Affordability.</strong> We looked at lenders' average rates and fees as well as their requirements for getting a mortgage. We also checked whether they offer government-backed loans, which can be more affordable for borrowers with less-than-perfect financial profiles. Finally, we looked at whether they have any flexible credit guidelines. This could include allowing borrowers to have recent negative events, such as bankruptcy or foreclosure, on their credit reports, or accepting non-traditional credit, like utility bills and rent payments, in lieu of a traditional credit score.</li><li><strong>Ethics.</strong> Almost all of our top picks received an A+ from the <a href="https://www.bbb.org/" target="_blank" rel="noopener nofollow">Better Business Bureau</a>, which measures companies' trustworthiness. We also researched and considered any scandals in the past three years.</li><li><strong>Attractive features.</strong> There are thousands of mortgage lenders in the U.S., and many of them will do a satisfactory job helping you purchase your next home. But the best lenders have extras that make them stand out; things like <a href="https://www.businessinsider.com/personal-finance/mortgages/down-payment-assistance" rel="">down payment assistance</a>, rate matching, or the ability to pick the exact number of years you want your loan term to be.</li></ul><p><a href="https://www.businessinsider.com/personal-finance/mortgages/how-we-evaluate-mortgage-lenders" data-analytics-product-module="body_link" rel="">See our full ratings methodology for mortgage lenders »</a></p><div class="ca-widget" data-token="x13d55880b64" data-s1="AMCID"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://secure.money.com/embeds/embedder.js?v=1" data-async="true" data-defer="true"></div> <section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="molly-grace"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Headshot of Molly Grace"> <noscript> <img src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Molly Grace</div> </a> <div class="post-author_title headline-regular">Mortgage Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Molly Grace is a mortgage reporter for Business Insider with over six years of experience writing about mortgages and homeownership. </span><span><span class="headline-semibold">Experience</span></span><span>In addition to her daily mortgage rate coverage, Molly also writes mortgage lender reviews and educational articles on homebuying and analyzes data and economic trends to give readers actionable and up-to-date information about the housing market.</span><span>She also tracks affordable mortgage and down payment assistance programs offered throughout the country to keep her readers informed of homebuyer programs available to them. </span><span>Before Business Insider, Molly was a blog writer for Rocket Companies and helped to create Rocket Mortgage’s Shorty Award-winning podcast <em>Home. Made</em>.</span><span>Molly is passionate about covering personal finance topics with empathy. Her goal is to make homebuying knowledge more accessible, especially for groups that may think homeownership is out of reach. </span><span><span class="headline-semibold">Expertise</span></span><span>Molly is an expert in the following topics:</span><ul><li><span>Mortgages and mortgage lenders</span></li><li><span>Home equity</span></li><li><span>The housing market</span></li><li><span>The economy and the forces that impact mortgage rates</span></li><li><span>Budgeting and saving</span></li><li><span>Credit</span></li><li><span>Insurance</span></li><li><span>Retirement savings</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Molly earned a bachelor's degree in journalism from Indiana University. </span><span>She is based in Michigan and has a dog and two cats. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="elias-shaya"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" alt="Elias Shaya looks at the camera. He stands outdoors, wearing a black jacket, with a city in the distant background."> <noscript> <img src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Elias Shaya</div> </a> <div class="post-author_title headline-regular">Compliance Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Elias Shaya is a Compliance Associate on the Personal Finance Insider team based in New York City, which ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.</span><span>The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Elias is the point person for the loans sub-vertical and works with the editorial team to ensure that all rates and information for personal and student loans are up-to-date and accurate.</span><span>He joined Insider in February 2022 as a fellow on the compliance team.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 4.75% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 4.75% APY when you deposit at least $250 per month, earn 3.75% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - 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