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Top Three 30-Year Mortgage Lenders for 2021

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30-Year Fixed Rate Mortgage
Roger Wohlner
Roger Wohlner
Aug. 16, 20211 min read
Shopping for a mortgage can be stressful. It’s hard to wrap your head around the various loan types, terms and lenders. It’s time to get down to basics - starting with the loan term. Lots of homebuyers opt for a 30-year fixed mortgage, which allows you to pay back your loan over the course of 30 years at a stable interest rate. Explore these 30-year mortgage lenders and find your perfect fit.

The most popular fixed mortgage available in the US is the 30 year loan. 30 year mortgages provide the buyer with lower monthly payments and a stable interest rate, allowing buyers to invest in more expensive properties. 

Why are 30 year loans the most popular?

Because the loan is repaid over a longer term, the interest rates are higher and therefore the overall payment is larger. However, lower monthly payments give buyers some flexibility in terms of monthly budgeting if they anticipate any job instability. Rates and terms typically depend on factors such as credit score, property location, down payment size, and federal loan eligibility. 

Compare our most popular 30 year lenders

LenderMinimum Credit ScoreVisit Site
 Quicken Loans620View Rates
 AmeriSave620View Rates
 Better.com620View Rates

30 year mortgages have a simple online application process

The application process might seem complicated, but most loan sites offer quotes on the spot with a simple two-step process. For the first part, you’ll be asked to enter some general information like your name, DOB, home address, email address, house location, house price, down payment, and credit score. 

30 year loans require straightforward paperwork 

Once you pre-qualify, the lenders will ask for a few more details including but not limited to: proof of income, proof of assets, disclosure of debts, and tax paperwork. Don’t worry, applying for a mortgage online will still give you the opportunity to speak to a loan officer. 

You still have flexibility with a 30 year mortgage

You can pay your 30 year mortgage off early, and it can be a great financial decision which can save you a lot of money over time. You can do this by making more frequent payments, by paying larger amounts, or by refinancing.

Our Recommended Lenders for 30-Year Mortgages  

Quicken Loans

Quicken Loans is one of the most reputable mortgage lenders. It offers a large range of mortgage options including refinance loans, FHA, USDA, VA loans, jumbo loans and more.

  • Fast application process
  • A bevy of educational resources
  • Award winning customer service

Quicken Loans Quicken Loans View Rates


 

AmeriSave

AmeriSave Mortgage Corporation is a full-service mortgage lender operating in 49 states and DC. Established in Atlanta in 2002, it has funded 220,000+ homes for a total value of more than $55 billion. AmeriSave is known for offering streamlined online applications with the option of contacting customer support any time you need assistance.

  • Apply and submit forms directly online
  • No SSN needed to get pre-approved rates
  • Recommended for refinancing

AmeriSave Mortgage AmeriSave Mortgage View Rates



Better.com

You can get pre-approved for a mortgage in minutes with Better mortgage. There are no origination or lender fees, no commission, and no prepayment penalties. Better allows you to lock in your rate and connects you with a single loan officer once you've finished the pre-approval process. 

  • No origination or lender fees
  • Various fixed and variable rate options
  • Fast approval process

Better Better View Rates

In summary

30 year loans cost more over time but keep your monthly payments low. Applying online is simple, and the information you need to present is straightforward. Have a dream house in mind? Compare your 30 year mortgage offers here.

Top 5 Mortgage Loans

Quicken Loans

Quicken Loans

Visit Site
Rocket Mortgage

Rocket Mortgage

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AmeriSave Mortgage

AmeriSave Mortgage

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LendingTree

LendingTree

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Roger Wohlner
Written byRoger Wohlner

Roger is a financial writer who brings his experience as a financial advisor to his writing. His work has been featured in TheStreet, Investopedia, US News & World Report, Yahoo! Finance, The Motley Fool and his blog, The Chicago Financial Planner. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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Designed to help users make confident decisions online, this website contains information about a wide range of products and services. Certain details, including but not limited to prices and special offers, are provided to us directly from our partners and are dynamic and subject to change at any time without prior notice. Though based on meticulous research, the information we share does not constitute legal or professional advice or forecast, and should not be treated as such. Company listings on this site DO NOT imply endorsement. We are not a loan provider or a broker and we do not offer loans or mortgages directly to end users, but only allows users to match with lending partners and platforms that may extend a loan. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. Any matching request submitted through our website does not constitute a loan application and you will have to submit a loan application to the respective lender before the lender provides you with an actual offer. We do not warrant that you will be approved for a loan, nor that you will be offered a loan with the same terms presented on our website.

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