is an online lender that has grown significantly in recent years. The company’s founder started the firm because he found the process of applying for a home loan to be way too long and difficult. Thus,’s primary aim is to improve the overall application process and to make online home loans more accessible to American families.

Despite only opening its doors in 2014, has managed to secure an extensive client list. The company’s no-commission structure ensures that its agents are committed to meeting your needs instead of increasing their paycheck.

Our Review of

All in all, provides an easy-to-use application process to its online clients. While you can’t yet access this platform in all 50 states, those who can access it will love the low-fee structure that avoids unnecessary charges. This is why makes one of our top mortgage lenders list.

The company offers a network of loan officers and a strong customer support team that makes the online application even easier.’s clients also benefit from transparent and competitive interest rates.

In our review of, we’ll explore all the key elements associated with this popular lending service. Is it the perfect partner for your next home loan? Read on to find out.’s Mortgage Process’s mortgage process makes it a serious competitor in the online mortgage industry. The company is proud to boast an application that doesn’t require any human intervention. In 2016, managed to process its first mortgage without the help of any agents or phone calls.

However, you can get assistance from agents over the phone if you need help. This means that the process can be as hands-on or hands-off as you want it to be. To start applying for a loan at, head to the company’s website and input your details into the application portal.

After inputting some core details, uses a soft credit check to gauge your creditworthiness. Next, you’ll be given a range of mortgage options, and will partner you with a loan officer to help you finish the application. It’s at this stage that you can receive an official estimate and determine if this is the right platform for your next home loan.’s Pros & Cons

In order to get a clear understanding of’s strengths and weaknesses, let’s take a closer look at the pros and cons associated with this platform:

  • Can access a broad range of lending products
  • A strong customer service team
  • No origination fees
  • No commissions are given to agents
  • Customers can get a loan via an entirely online application process
  • Offers human loan officers that can assist you throughout any part of the process
  • Not available in all 50 states
  • No VA or USDA loans currently available
  • No HELOCs
  • Must have at least a 620 credit score to apply
Need to learn how to buy a house? Read our guide here. (February 29, 2024)

What States Does Offer Mortgage Services?

Lending across various states can be a complicated issue for many finance companies. As different licenses have different requirements depending on the state, many lenders aren’t able to operate in every corner of the country. So, will you be able to obtain a mortgage from in your state?

At present, you’ll find that only offers access to its loans in 36 states. You can find an updated list of available states on the website.’s Available Mortgage Types & Programs offers two primary types of loans: purchase loans and refinance loans. If you’re looking to buy a new home, you will be able to access traditional loans, jumbo loans, and FHA loans. At present, does not offer VA or USDA loans — you will need to work with another online lender if you want access to either of these products.

You can access both fixed-rate and variable rate loans. also offers 30-year, 20-year, and 15-year terms to its client base. Unfortunately, you won’t be able to access HELOCs or unique lending products via this lender.

Have a house to sell before moving? Read our guide here. (February 29, 2024)’s Mortgage Fees & Rates keeps a constantly updated list of rates on its website. A quick glance at the latest rates shows that the interest rates available to you will vary depending on the mortgage product that you’re accessing. For example, the 30-year fixed rate is currently 3.750%, while the 20-year fixed rate is 3.625%. Either way, it’s clear that offers rates that are comparable to other online lenders.

One feature that really sets apart is the fact that it doesn’t charge any origination fees. The company is firmly dedicated to avoiding hidden fees or charges. In fact, they don’t even pay their own agents any commissions on mortgages.’s Customer Service offers robust customer service features that help you get in touch with the company’s team if you run into any problems. Interacting with a lender that offers this kind of assistance dramatically improves the entire loan application experience.

If you want to get in touch with, you can choose to call the customer service team or send them an email. You can also directly contact your loan officer for additional information.’s Borrower Qualifications & Requirements

To apply for a loan you will need a credit score of 620 (or higher). This is a pretty standard credit score threshold that you will find associated with many other large lenders. Keep in mind that if you want to access the best rates available at, you will need a much higher score than the bare minimum of 620.’s Online Reputation

You should never work with a lender that doesn’t have a strong reputation with its past clients. Unfortunately, many lenders have terrible reputations, so it’s wise to double-check if a lender has a positive track record before you make any financial commitments.

We explored some of the most reputable consumer watchdog groups to help determine if had a strong reputation with previous clients. What we found was very promising: The Better Business Bureau has awarded an A+ rating. On top of this, there were numerous positive reviews from past customers that enjoyed and its application process.

More From Be sure to check out our other mortgage company reviews!

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