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Get a mortgage from Zillow Home Loans

Get a mortgage from
Zillow Home Loans

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

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.

Your BuyAbility℠ today

Zillow Home Loans, LLCLoading

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.

Your BuyAbility℠ today

Zillow Home Loans, LLCLoading

Why Zillow Home Loans?

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Competitive rates

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

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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.

Zillow Home Loans, LLCLoading

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.

Find the right mortgage with Zillow Home Loans

30-Year Fixed

Most popular
Rate6.500%
APR6.666%
Points (cost)1.707 ($4,694.25)
  • 3% min down payment
  • Lower payments due to longer term
Get pre-approved

30-Year FHA

Lower credit profiles
Rate6.000%
APR6.718%
Points (cost)1.995 ($5,486.25)
  • 3.5% min down payment
  • Looser credit/debt requirements
Get pre-approved

30-Year VA

Eligible military
Rate6.250%
APR6.563%
Points (cost)1.983 ($5,453.25)
  • 0% down payment
  • No private mortgage insurance
Get pre-approved

20-Year Fixed

Save on interest
Rate6.375%
APR6.610%
Points (cost)1.839 ($5,057.25)
  • 5% min down payment
  • Pay less interest due to shorter term
Get pre-approved

15-Year Fixed

Faster payoff
Rate5.625%
APR5.895%
Points (cost)1.724 ($4,741.00)
  • 5% min down payment
  • Pay less interest due to shorter term
Get pre-approved

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

Get your personalized rate
Skip to the end of the carousel
  • 30-Year Fixed

    Most popular
    Rate6.500%
    APR6.666%
    Points (cost)1.707 ($4,694.25)
    • 3% min down payment
    • Lower payments due to longer term
    Get pre-approved
  • 30-Year FHA

    Lower credit profiles
    Rate6.000%
    APR6.718%
    Points (cost)1.995 ($5,486.25)
    • 3.5% min down payment
    • Looser credit/debt requirements
    Get pre-approved
  • 30-Year VA

    Eligible military
    Rate6.250%
    APR6.563%
    Points (cost)1.983 ($5,453.25)
    • 0% down payment
    • No private mortgage insurance
    Get pre-approved
  • 20-Year Fixed

    Save on interest
    Rate6.375%
    APR6.610%
    Points (cost)1.839 ($5,057.25)
    • 5% min down payment
    • Pay less interest due to shorter term
    Get pre-approved
  • 15-Year Fixed

    Faster payoff
    Rate5.625%
    APR5.895%
    Points (cost)1.724 ($4,741.00)
    • 5% min down payment
    • Pay less interest due to shorter term
    Get pre-approved
  • Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.

    Get your personalized rate
Skip to the beginning of the carousel
Last updated: 8/2/2025

Learn more about home financing

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Pre-qualified vs. pre-approved: What’s the difference?

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How your credit score is calculated

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How are mortgage rates determined?

Looking for additional resources? Visit our Learning Center

Looking for additional resources?
Visit our Learning Center

Know your budget and see which homes you can afford in real time with Zillow Home Loans' BuyAbility tool.

Be ready to make offers

Verify the amount you're approved to borrow with Zillow Home Loans. Get a Verified Pre-approval letter from your loan officer.