Get a mortgage from Zillow Home Loans
Get a mortgage from
Zillow Home Loans
We provide mortgage options with competitive rates, no hidden fees and guidance at every step. See what you can afford to borrow with us.
Already working with us?
Access your dashboard
Already working with us? Access your dashboard
Why choose Zillow Home Loans?
Competitive rates
Strong mortgage 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.
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.
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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- 3% min down payment
- Lower payments due to longer term
30-Year FHA
Lower credit profiles- 3.5% min down payment
- Looser credit/debt requirements
30-Year VA
Eligible military- 0% down payment
- No private mortgage insurance
20-Year Fixed
Save on interest- 5% min down payment
- Pay less interest due to shorter term
15-Year Fixed
Faster payoff- 5% min down payment
- Pay less interest due to shorter term
Get a personalized rate
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Get a personalized rate
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
30-Year Fixed
Most popularRate5.990%APR6.174%Points (cost)1.940 ($5,335.00)- 3% min down payment
- Lower payments due to longer term
30-Year FHA
Lower credit profilesRate5.875%APR6.539%Points (cost)1.499 ($4,122.25)- 3.5% min down payment
- Looser credit/debt requirements
30-Year VA
Eligible militaryRate6.000%APR6.298%Points (cost)1.887 ($5,189.25)- 0% down payment
- No private mortgage insurance
20-Year Fixed
Save on interestRate6.125%APR6.343%Points (cost)1.722 ($4,735.50)- 5% min down payment
- Pay less interest due to shorter term
15-Year Fixed
Faster payoffRate5.375%APR5.686%Points (cost)1.998 ($5,494.50)- 5% min down payment
- Pay less interest due to shorter term
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 rateGet a personalized rate
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Buyers like you ❤️ Zillow Home Loans
Here's how happy homeowners made home a reality with our loan officers.
Learn more about home financing
Pre-qualified vs. pre-approved: What’s the difference?
How your credit score is calculated
Looking for additional mortgage resources? Visit our Learning Center
Looking for additional resources? Visit our Learning Center
Looking for additional resources?
Visit our Learning Center
Take the first step with BuyAbility℠
Know your budget and see which homes you can afford in real time with Zillow Home Loans' BuyAbility tool.
Ready to speak with a real person?
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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.
Ready to speak with a real person?
Ready to speak with a real person?
Frequently asked questions
- What is Zillow Home Loans?
Zillow Home Loans is a mortgage lender with an A+ BBB rating, a 4.9/5 star rating with over 14,000 reviews and 25 years of experience, starting as Mortgage Lenders of America in 2000 and acquired by Zillow Group in 2019. Zillow Home Loans is dedicated to helping you move from dreaming to financing with a variety of mortgage options, step-by-step guidance from top-rated loan officers and rich affordability tools integrated into the Zillow experience.
- How do I purchase a home with Zillow Home Loans?
1. Calculate your BuyAbility: Get a personalized home affordability estimate using real-time rates from Zillow Home Loans* — with no credit impact and no obligation. Save your BuyAbility to customize your shopping experience and see homes within your budget.
2. Get pre-approved: Start with a quick online pre-qualification using a soft credit check, then upgrade to a Verified Pre-Approval for more accurate loan amount based on your verified financial information.
3. Make an offer: When you find a home you love, you can submit a strong offer with guidance from your loan officer and your agent.
4. Apply for your mortgage: After your offer is accepted, complete your full loan application with Zillow Home Loans.
5. Close on your home: Sign your closing documents and finalize your purchase with end-to-end support from Zillow Home Loans.
*Zillow Home Loans' rates will be utilized based on available programs.
- How does Zillow protect my information when I use BuyAbility℠ and Zillow Home Loans?
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.
- How can I get in contact with a person from Zillow Home Loans?
To get in touch with a licensed loan officer at Zillow Home Loans, call 855-917-2501. Our loan officers can help answer questions like:
- What are my loan options and how do they impact my monthly payments?
- How does a specific home impact my monthly payment?
- After I find the home I want, what’s next?
- What type of loan options does Zillow Home Loans offer?
Zillow home loans offer a variety of mortgage options including:
We also offer refinance options including: Rate and term refinance, streamline refinance, and cash-out refinance. Additionally, we offer fixed rate and adjustable rate terms on conventional loans.- Where is Zillow Home Loans available?
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- Zillow Home Loans currently lends in all U.S. states except New York.
- Zillow Home Loans is currently not available outside of the United States, including Puerto Rico and other U.S. territories.
- How can I get pre-qualified or pre-approved with Zillow Home Loans?
At Zillow Home Loans, you can get pre-qualified online in as little as 5 minutes with no impact to your credit score. We’ll review your self-reported income, assets, and a soft credit check to estimate how much home you can afford. You can then upgrade to a Verified Pre-Approval by submitting documents to verify your financial details.
For more information, view the full list of Frequently Asked Questions.
