Zillow brings you the tools, professionals and technology you need to buy a home in one integrated platform. Whether you’re searching comprehensive listings based on your budget, collaborating with your Zillow partner agent in the app, or securing a mortgage through Zillow Home Loans, everything is at your fingertips. This all-in-one approach is designed to help you get home faster with less stress.

Getting your BuyAbility℠ is the best way to start your home search because you'll get a quick estimate of your home budget based on your finances, credit score and live interest rates. More than your average calculator, the tool gives you real-time updates of what you can afford for a personalized shopping experience as you shop on Zillow. Just save your details once, and we’ll keep your estimate up to date.

Here’s what you’ll provide to get your estimate:

• Gross annual income
• Monthly debts
• Down payment amount
• Credit score estimate
• Home-search area

We calculate the home price you can afford, taking into account:

• Property taxes
• Insurance based on location
• HOA dues if you’re viewing your BuyAbility℠ on a specific home

Your personalized interest rate from Zillow Home Loans is based on a few factors, including:

• Your estimated loan amount
• Your credit
• Private mortgage insurance (if your down payment is less than 20%)

Your trust means everything to us and we take your security seriously. That's why we protect your information with the same technology trusted by the financial institutions you know and trust — and we’ll never share or resell your data with multiple lenders.

Zillow Home Loans helps make your homebuying journey feel less overwhelming and a lot more possible. As a trusted mortgage lender, we have over 25 years of experience, an A+ BBB rating, and thousands of 5-star reviews. We offer competitive rates for a range of loan options to fit your unique needs, and down payments as low as 3%, or 0% for VA loans, so you can get into your new home sooner.

With Zillow Home Loans you can start your pre-approval process right in the Zillow app, where you’ll find helpful affordability tools like BuyAbility℠ to guide your search and keep things simple. And you won’t be on your own — our top-rated* loan officers are ready to provide trusted guidance and step-by-step support, even connecting you with a local partner agent. Plus, with transparent pricing, no hidden fees, and no upfront appraisal costs, you’ll always know what to expect.

*Average 4.9/5.0 stars based on actual customer reviews.

In today’s market, having a Verified Pre-approval letter in hand is essential for confidently making strong, competitive offers — and showing sellers you're serious about buying their home. To get started, fill out our online form and get pre-qualified in as little as 5 minutes with us at Zillow Home Loans.* From there, a friendly loan officer will guide you through the next steps to pre-approval — reviewing your documents and confirming how much you’re approved to borrow. It’s that simple!

*Based on consumer performance across all individuals who completed the pre-qualification process. Current as of: 7/10/2025

Zillow Premier Agent partners help buyers close 60% more deals than other real estate agents — so you’re more likely to land the home you love. As local experts, they can help you guide you through every step of buying a home:


• Help you get pre-qualified for a home loan
• Tour homes and point out key features (and red flags)
• Connect you to a trusted loan officer at Zillow Home Loans to get you pre-approved for a loan
• Make offers and identify where there's room to negotiate
• Work with your loan officer help you navigate paperwork and close on your home

Ready to find your agent? Start here.