We provide home loans with competitive rates, no hidden fees and guidance at every step. See what you can afford to borrow with us.

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Get a mortgage from Zillow Home Loans

We offer mortgage loans with competitive rates, no hidden fees and guidance at every step. Start now by getting your BuyAbility℠ to see what you can afford in real time.

Already working with us? Access your dashboard

Your BuyAbility℠ today

Already working with us?
Access your dashboard

Already working with us? Access your dashboard

Get a mortgage from Zillow Home Loans

We offer mortgage loans with competitive rates, no hidden fees and guidance at every step. Your next step: Confirm the amount you can borrow with us with a Verified Pre-Approval letter.

Already working with us? Access your dashboard

Your BuyAbility℠ today

Already working with us?
Access your dashboard

Already working with us? Access your dashboard

Why Zillow Home Loans?

Competitive rates

Strong rates, no hidden fees, and total transparency to keep you informed and up to date.

Low down payment options

We offer a variety of loan options to meet your needs and help make home ownership more affordable.

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Top-rated loan officers

With a 4.9-star average rating, our loan officers provide step-by-step guidance and expertise in first-time home buying.

How to get a mortgage with
Zillow Home Loans

How to get a mortgage with Zillow Home Loans

BuyAbility is the first step to get home on your budget. Get your personalized estimate and track how it changes over time.

Get your BuyAbility

Your next step to get a mortgage with Zillow Home Loans

Level up from an estimate to a Verified Pre-approval letter from us to officially know what you can borrow — and show sellers you're serious about buying their home.

Get pre-approved

Find the right mortgage with Zillow Home Loans

30-Year Fixed

30-Year FHA

Lower credit profiles

Rate6.000%

APR6.671%

Points (cost)1.536 ($4,224.00)

3.5% min down payment
Looser credit/debt requirements

Get pre-approved

30-Year VA

Eligible military

Rate6.125%

APR6.397%

Points (cost)1.596 ($4,389.00)

0% down payment
No private mortgage insurance

Get pre-approved

20-Year Fixed

Save on interest

Rate6.125%

APR6.365%

Points (cost)1.895 ($5,211.25)

5% min down payment
Pay less interest due to shorter term

Get pre-approved

15-Year Fixed

Faster payoff

Rate5.500%

APR5.792%

Points (cost)1.868 ($5,137.00)

5% min down payment
Pay less interest due to shorter term

Get pre-approved

Get a personalized rate

Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.

Get your personalized rate

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30-Year Fixed
Most popular
Rate6.375%
APR6.544%
Points (cost)1.747 ($4,804.25)
- 3% min down payment
- Lower payments due to longer term
Get pre-approved
30-Year FHA
Lower credit profiles
Rate6.000%
APR6.671%
Points (cost)1.536 ($4,224.00)
- 3.5% min down payment
- Looser credit/debt requirements
Get pre-approved
30-Year VA
Eligible military
Rate6.125%
APR6.397%
Points (cost)1.596 ($4,389.00)
- 0% down payment
- No private mortgage insurance
Get pre-approved
20-Year Fixed
Save on interest
Rate6.125%
APR6.365%
Points (cost)1.895 ($5,211.25)
- 5% min down payment
- Pay less interest due to shorter term
Get pre-approved
15-Year Fixed
Faster payoff
Rate5.500%
APR5.792%
Points (cost)1.868 ($5,137.00)
- 5% min down payment
- Pay less interest due to shorter term
Get pre-approved
Get a personalized rate
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Get your personalized rate