Zillow Home Loans Claims Documentation & Disclaimers

1. Top-rated loan officers

Disclaimer: Zillow Home Loans loan officers are rated an average of 4.8/5 stars based on actual customer reviews. See reviews here.

2. Speed

Zillow Home Loans customers close on average 14 days faster than competitors.

Disclaimer: According to “Insights” by Ice Mortgage Technology, the average lender time to close for purchase transactions across loan programs between October 2023 – November 2023 was 46 days. This report is based on approximately 80% of all mortgage applications that are initiated on the ICE Mortgage Technology Platform. Zillow Home Loans’ average closing time for purchase transactions across loan programs from October 2023 – November 2023 was 30 days, which is 15 days or 33% faster than the industry average. See source data here.

3. Close-on-time rate

Zillow Home Loans has a 99% close-on-time rate.

Disclaimer: Close-on-time rate reflects purchase transactions across loan types, excluding new construction. Delays due to third parties are excluded from calculation.

4. No appraisal fees

Disclaimer: Offer available on initial appraisal for purchase and refinance transactions only, where an appraisal is required by Zillow Home Loans. Appraisal must be ordered by Zillow Home Loans. Appraisal fee will not be charged to borrower when the loan closes with Zillow Home Loans. Appraisal fee may appear as a loan cost on loan disclosures. Offer does not apply to any subsequent appraisal, including re-inspections, desk reviews, etc. Zillow Home Loans, in its sole discretion, reserves the right to change or end promotion at any time.

5. Zero upfront costs

Disclaimer: Appraisal costs are not required to be paid prior to closing; they may be payable at the time of closing, along with other closing costs. Costs payable at closing may include, but are not limited to: appraisal costs, credit report costs, settlement costs, title insurance, prepaids, escrowed amounts, and other transaction-related fees. Please speak to a loan officer to receive an official Loan Estimate with costs specific to your transaction.