Welcome to Zillow Mortgage Marketplace

The best place to shop mortgage quotes anonymously

  • Your personal loan request is shown below. Save this request so you can return later.

  • Property Details

    Purchase Price

    Down Payment

    Estimated property value

    What's this?

    Current mortgage balance

    What's this?
    Close
    Current mortgage balance
    A mortgage balance is the amount owed on your mortgage. It is the difference between the original amount borrowed and the money you have paid toward the principal so far. Contact your lender to find out your outstanding balance.

    Desired loan amount

    What's this?
    Close
    Desired loan amount
    Enter the amount of money you would like to take out.

    Cash out

    What's this?
    Close
    Cash out
    Enter the amount of additional cash you would like to take out.

    Cash-out refinancing means you refinance your mortgage for more than is currently owed, then you use the difference to pay for things such as home improvements, buying a car, paying for school, and vacations, just to name a few.

    Property type

    How will home be used?

    • What's this?
      Close
      Home Use
      Different loan programs are offered, depending on how the property will be used. For example, a loan for a rental property is more expensive than a primary residential mortgage because lenders believe investors are more likely to walk away from a rental than they are from their own home.

    Zip code

    Year property purchased

    What's this?
    Close
    Year property purchased
    What year did you purchase the property?

    Financial Info

    • Close
      What is a co-borrower?
      A co-borrower is another person on the loan that will share responsibility paying the loan and will share title to the property. A co-borrower can be a spouse, mother, father, sibling, friend, or business acquaintance. The co-borrower's income, assets, and debt are combined with that of the borrower's. This is used to help in qualifying for a loan or investing in property together. Most of the time all married co-borrowers are required on the application. The only time it would not be on the application is if you owned your home as a sole and separate property.

    Primary Borrower

    Credit score

    Estimate Credit Score

    Annual income

    • What's this?
      Close
      Annual Income
      Include all of your annual income before taxes, including:
      • Annual base salary (before taxes and expenses are deducted)
      • Any recurring commissions, bonuses, overtime, and tips that you expect to continue
      • Rental income, stock dividends, investment income, etc.
      • Any alimony/child support payments you receive

    Monthly debts

    • What's this?
      Close
      Total Monthly Debts
      The combined total of monthly payments on debts Include:
      • Minimum credit card payments
      • Car payments
      • Student loans
      • Alimony/child support payments
      • Any house payments (rent or mortgage) other than the new mortgage you are seeking
      • Rental property maintenance
      • Other personal loans with periodic payments
      Do NOT include:
      • Credit card balances that you pay off in full each month
      • Existing house payments (rent or mortgage) that will become obsolete as a result of the new mortgage you are seeking
      • The new mortgage you are seeking
    • Close
      Are you eligible for VA loans?
      You can check your eligibility and learn more about VA loans on the Department of Veterans Affairs Web site.
    • Close
      Have you used your eligibility before?
      Eligibility is reusable depending on your circumstances but may affect your fees. To learn more about eligibility, see the VA FAQ page.
    • Close
      Do you have any VA related disabilities?
      Having service-related disabilities may exempt you from having to pay a VA funding fee.

    Type of veteran

    What's this?
    Close
    Type of veteran
    Funding fees can vary based on your type of service and down payment.
    • Close
      Are you a first time buyer?
      Lenders sometimes offer special loan programs to first-time homebuyers.
    • Close
      Have you declared bankruptcy in the last 7 years?
      Bankruptcy is the legal process in which a person declares their inability to pay off their debts. Bankruptcy does not mean you cannot get a loan, but the terms of your loan may not be as favorable.
    • Close
      Have you been foreclosed on in the last 7 years?
      Foreclosure is a legal process by which a bank or lender sells or repossesses a mortgaged property because the borrower could not pay the loan. Foreclosure does not mean you cannot get a loan, but the terms of your loan may not be as favorable.
    • Close
      Are you self-employed?
      Self-employment loans are typically harder to get and require more documentation. Notice that by selecting self-employed we also ask for your assets.
    • Close
      Can you show proof of your income?
      Lenders request that borrowers show proof of income (i.e., W-2s from past two years; pay stubs, etc.) to receive the best rates and terms. It is much harder now than it used to be to get stated income loans, and if you get one, the rates and terms are typically less favorable.

    Assets

    • What's this?
      Close
      Assets
      Your assets and debts will be combined with that of the co-borrower, so any shared assets or debts can be listed under either borrower.

      Real estate assets are the total equity you have in any real estate you own. Use the fair market value minus your remaining mortgage balance to get the equity total. (e.g., $250,000 fair market value minus a mortgage balance of $100,000 = $150,000 in equity)

    Co-borrower

    Credit score

    Estimate Credit Score

    Annual income

    • What's this?
      Close
      Annual Income
      Include all of your annual income before taxes, including:
      • Annual base salary (before taxes and expenses are deducted)
      • Any recurring commissions, bonuses, overtime, and tips that you expect to continue
      • Rental income, stock dividends, investment income, etc.
      • Any alimony/child support payments you receive

    Monthly debts

    • What's this?
      Close
      Total Monthly Debts
      The combined total of monthly payments on debts Include:
      • Minimum credit card payments
      • Car payments
      • Student loans
      • Alimony/child support payments
      • Any house payments (rent or mortgage) other than the new mortgage you are seeking
      • Rental property maintenance
      • Other personal loans with periodic payments
      Do NOT include:
      • Credit card balances that you pay off in full each month
      • Existing house payments (rent or mortgage) that will become obsolete as a result of the new mortgage you are seeking
      • The new mortgage you are seeking
    • Close
      Are you eligible for VA loans?
      You can check your eligibility and learn more about VA loans on the Department of Veterans Affairs Web site.
    • Close
      Have you used your eligibility before?
      Eligibility is reusable depending on your circumstances but may affect your fees. To learn more about eligibility, see the VA FAQ page.
    • Close
      Do you have any VA related disabilities?
      Having service-related disabilities may exempt you from having to pay a VA funding fee.

    Type of veteran

    What's this?
    Close
    Type of veteran
    Funding fees can vary based on your type of service and down payment.
    • Close
      Are you a first time buyer?
      Lenders sometimes offer special loan programs to first-time homebuyers.
    • Close
      Have you declared bankruptcy in the last 7 years?
      Bankruptcy is the legal process in which a person declares their inability to pay off their debts. Bankruptcy does not mean you cannot get a loan, but the terms of your loan may not be as favorable.
    • Close
      Have you been foreclosed on in the last 7 years?
      Foreclosure is a legal process by which a bank or lender sells or repossesses a mortgaged property because the borrower could not pay the loan. Foreclosure does not mean you cannot get a loan, but the terms of your loan may not be as favorable.
    • Close
      Are you self-employed?
      Self-employment loans are typically harder to get and require more documentation. Notice that by selecting self-employed we also ask for your assets.
    • Close
      Can you show proof of your income?
      Lenders request that borrowers show proof of income (i.e., W-2s from past two years; pay stubs, etc.) to receive the best rates and terms. It is much harder now than it used to be to get stated income loans, and if you get one, the rates and terms are typically less favorable.

    Assets

    • What's this?
      Close
      Assets
      Your assets and debts will be combined with that of the co-borrower, so any shared assets or debts can be listed under either borrower.

      Real estate assets are the total equity you have in any real estate you own. Use the fair market value minus your remaining mortgage balance to get the equity total. (e.g., $250,000 fair market value minus a mortgage balance of $100,000 = $150,000 in equity)

    Your current loan

    Loan program

    Interest rate

    Year loan originated

    Loan details

    New loan information

    Desired loan programs?

     

    Desired loan programs?

      What's this?
    Close
    Loan Programs
    Fixed home equity A home equity loan is a fixed-rate second mortgage designed to tap into the equity that has built up because a property appreciated, the first mortgage principal has been paid down, or both. Adjustable HELOC HELOC stands for home equity line of credit. It is a second mortgage with an adjustable rate. The concept of HELOC is similar to a credit card in which you can borrow up to a certain amount of money within a certain amount of time.

    Learn more about home equity loans.

    Reason for loan

    What's this?
    Close
    Reason for loan
    What is the reason for your home equity loan?

    Reason for refinancing

    When is loan needed?

    • Close
      Will you accept a pre-payment penalty?
      A pre-payment penalty means that if you pay off your mortgage loan earlier than agreed, you will pay a penalty. However, if you agree to pay a pre-payment penalty, you may get a better interest rate.
    Close
    Estimate the home's value

    Sorry, we could not find a Zestimate for the addresses entered.

    Street

    ZIP code

    Retrieving Zestimate
    Zestimate:
    Value Range:
  •  

Get personalized quotes here

It's fast, free, and anonymous!

Quotes below are only SAMPLES, to get your own quotes:

  • Fill out these fields
  • See results in seconds
Showing 0 - 0 of 10 quotes
checking for quotes 0%
Take a survey
Picking the Best Quotes
  • 1. Select loan programs(s)
  • 2. Set "True Cost" and sort
  • 3. Choose quotes you can afford
  • 4. View details and contact lenders
See step-by-step details
Get custom quotes
  • Fill out fields on left
  • Get quotes in seconds
  • Compare rates
  • Contact lenders

It's fast, free, and anonymous!
Average Mortgage Rates
Mortgage Help
The basics Using the marketplace
Confirmed Lender Ratings
help
Confirmed Lender Rating

Zillow lenders are not only confirmed by Zillow, but they are also rated by borrowers. Borrowers rate lenders based on how likely they are to recommend the lender using a scale of 1 to 5, with 5 "very likely" and 1 "very unlikely." A lender's overall rating is calculated by taking the average of all scores. Borrowers can rate and review lenders only after they've made contact with them.

 Programs
Filter
Rate
help
Rate

Rate (or interest rate) is the yearly rate charged by a lender to a borrower in order for the borrower to obtain a loan. This is usually expressed as a percentage of the total amount loaned. Note that rates may increase for adjustable rate mortgages.

 APR
help
Annual percentage rate (APR)

APR is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, lender fees, and certain other financing charges the borrower is required to pay. Using APR to compare quotes is helpful because it takes into account both the interest rate and financing fees. The APR is calculated by Zillow.

 Lender Fees
help
Lender Fees

Lender fees are fees required to close a loan. Most fees are paid to the lender but some are paid directly to third-party service providers. Borrowers typically pay all lender fees but some mortgage transactions allow for the seller to pay some of the lender fees. View quote details to see a breakdown of fees.

 Monthly Payment
help
Monthly Payment

Monthly payment is an estimated monthly payment calculated by Zillow for principal and interest only, based on the loan amount, interest rate, and other information provided by lender. The actual monthly payment may be higher due to escrow for taxes and insurance. To view additional estimated values for property taxes, homeowners insurance, and mortgage insurance, visit the quote details pages.

 True Cost
help

True Cost True Cost is our recommended way to begin comparing quotes. True Cost allows you to:

  • compare quotes apples-to-apples by incorporating Rate, Fees, Loan Program, and Points into one number
  • view the interest and fees due over different periods of time by adjusting the time-in-home dropdown
  • find the least expensive loan for your expected timeframe
Note: The ideal loan program and fee/rate structure may change depending on the time you stay in your home.

Profile picture for ACC American Capital
  • Chris Moya
  • ACC American ...

  • 5.0/5.0

    (1)

Contact
Quote details
15 year fixed 3.625% 3.812% $3,083 $1,730 $65,575
Profile picture for Whitman Met
  • Kat Whitman
  • Whitman Met, ...

  • 4.8/5.0

    (86)

Contact
Quote details
15 year fixed 3.750% 3.834% $1,369 $1,745 $66,162
Profile picture for Guaranteed Rate Inc.
  • Guaranteed Rate
Contact
Quote details
15 year fixed 3.750% 3.838% $1,445 $1,745 $66,238
Profile picture for targetrate
  • mitch lichterman
  • targetrate

  • 2.3/5.0

    (6)

Contact
Quote details
15 year fixed 3.750% 3.870% $1,965 $1,745 $66,758
Profile picture for targetrate
  • mitch lichterman
  • targetrate

  • 2.3/5.0

    (6)

Contact
Quote details
15 year fixed 3.875% 3.875% $0 $1,760 $67,104
Profile picture for SteveFelty
  • Steve Felty
  • US Bank Home ...

  • 4.8/5.0

    (24)

Contact
Quote details
15 year fixed 3.875% 3.940% $1,063 $1,760 $68,167
Profile picture for Michigan home Loans
  • Jon Bastian
  • Amera Mortgage
Contact
Quote details
15 year fixed, Jumbo 3.875% 3.960% $1,395 $1,760 $68,499
Profile picture for QuickenLoans
  • Quicken Loans
  • Quicken Loans

  • 2.7/5.0

    (3)

Contact
Quote details
15 year fixed 3.875% 4.022% $2,388 $1,760 $69,492
Profile picture for QuickenLoans
  • Quicken Loans
  • Quicken Loans

  • 2.7/5.0

    (3)

Contact
Quote details
15 year fixed 4.125% 4.199% $1,188 $1,790 $72,943
Profile picture for ACC American Capital
  • Chris Moya
  • ACC American ...

  • 5.0/5.0

    (1)

Contact
Quote details
30 year fixed 4.125% 4.232% $3,083 $1,163 $92,539
Profile picture for Whitman Met
  • Kat Whitman
  • Whitman Met, ...

  • 4.8/5.0

    (86)

Contact
Quote details
30 year fixed 4.250% 4.298% $1,369 $1,181 $93,712
Profile picture for targetrate
  • mitch lichterman
  • targetrate

  • 2.3/5.0

    (6)

Contact
Quote details
30 year fixed 4.125% 4.275% $4,340 $1,163 $93,796
Profile picture for targetrate
  • mitch lichterman
  • targetrate

  • 2.3/5.0

    (6)

Contact
Quote details
30 year fixed 4.250% 4.360% $3,165 $1,181 $95,508
Profile picture for Guaranteed Rate Inc.
  • Guaranteed Rate
Contact
Quote details
30 year fixed 4.250% 4.384% $3,845 $1,181 $96,188
Profile picture for SteveFelty
  • Steve Felty
  • US Bank Home ...

  • 4.8/5.0

    (24)

Contact
Quote details
30 year fixed 4.375% 4.413% $1,063 $1,198 $96,300
Profile picture for Michigan home Loans
  • Jon Bastian
  • Amera Mortgage
Contact
Quote details
30 year fixed, Jumbo 4.375% 4.424% $1,395 $1,198 $96,632
Profile picture for Guaranteed Rate Inc.
  • Guaranteed Rate
Contact
Quote details
30 year fixed 4.375% 4.426% $1,445 $1,198 $96,682
Profile picture for targetrate
  • mitch lichterman
  • targetrate

  • 2.3/5.0

    (6)

Contact
Quote details
30 year fixed 4.375% 4.444% $1,965 $1,198 $97,202
Profile picture for QuickenLoans
  • Quicken Loans
  • Quicken Loans

  • 2.7/5.0

    (3)

Contact
Quote details
30 year fixed 4.375% 4.492% $3,288 $1,198 $98,525
Profile picture for QuickenLoans
  • Quicken Loans
  • Quicken Loans

  • 2.7/5.0

    (3)

Contact
Quote details
30 year fixed 4.500% 4.564% $1,788 $1,216 $99,928
Quotes aren't what you expected?
  • Wait a little longer

    Most quotes appear within seconds, but some quotes may take a minute or two for lenders to respond.

  • Credit Score (720-739)

    You may be able to get a better rate by improving your credit score. The best rates are given for scores of 760 or higher

Have more questions?

Ask lenders in Zillow Advice how you can improve your loan request.

Submitting request

to the marketplace of lenders

Checking for quotes

from the marketplace of lenders

Mortgage Products

Mortgage Calculators

More calculators

Mortgage Help Center

More mortgage help

Mortgage Lenders

© 2006-2010 Zillow.com, All Rights Reserved

http://switch.atdmt.com/action/zmm_xdata/v3/usr.1/zmm_v.1
pageName