173 Reviews
ClickStart Mortgage Review
May 14, 2025
•
3 min
Find what you're looking for:
ClickStart Mortgage Summary
With ClickStart Mortgage you’ll get access to the wholesale side of the largest mortgage providers in the country. ClickStart Mortgage makes it easy to compare rates and will negotiate the best deal for you. Your licensed loan officer will work together with you ensuring a smooth transaction with ultra-competitive rates.
ClickStart Mortgage Pros & Cons
Pros
Straightforward application
Various customer support options
Helpful online tools
Access to wholesale rates
Cons
Not licensed in all 50 states
ClickStart Mortgage at a Glance
| Direct lender or marketplace? | Marketplace |
| Loan types | Purchase, VA, jumbo, refinance, HELOC |
| Loan amount | $60,000-$2 million |
| Repayment terms | 5-30 years |
| Minimum down payment | 0% |
| Minimum credit score | 620 |
| Suitable for | Applying for a mortgage entirely online |
Overview
ClickStart Mortgage is an online lending marketplace founded in 2021. The platform works with a network of reputable lenders to offer wholesale rates that are lower than the rates you could typically get by going directly to a lender.
You can get a wide range of loans through ClickStart Mortgage, including purchase and refinance loans and HELOCs. ClickStart Mortgage puts the entire mortgage application process online, enabling you to compare offers and close your loan without having to speak with a loan officer.
Suitable For?
ClickStart Mortgage works with a wide range of mortgage lenders and offers almost every major type of mortgage loan. You can get a VA loan, a jumbo loan, a cash-out refinance, a HELOC, and more. There are loan options for borrowers in all 50 states.
Since ClickStart Mortgage offers wholesale rates and lets you compare offers online, it’s a great starting point for your search, no matter what type of loan you need. The only borrowers who might not want to start with ClickStart Mortgage are those who qualify for highly specialized mortgage programs, such as those that promote buying a home in a low-income community.
ClickStart Mortgage is especially ideal for borrowers who want to go through the entire mortgage application process online. You never have to visit a physical branch. Instead, you can complete your application, review offers, and even close your loan online. If you do need help, loan officers are available by phone, live chat, and email.
Types of Loans/Products
ClickStart Mortgage works with numerous lenders nationwide and offers most of the common types of mortgages. These include:
- Fixed-rate and adjustable-rate conventional loans
- Jumbo loans up to $2 million
- VA loans
- FHA loans
- Refinance loans
- Cash-out refinance loans
- HELOCs
Loan requirements vary by lender and by the type of loan you need. Certain loans, like VA loans, do not require a down payment. Here are a few key highlights:
- Most loans are available with terms of 5-30 years.
- Most of ClickStart’s partner lenders require a minimum credit score of 620.
- Most loans (other than VA loans) require a minimum 3% down payment.
- ClickStart Mortgage is NOT available in all 50 states.
The Application Process
You can apply online to compare mortgage offers through ClickStart Mortgage. The application takes 10-15 minutes. Unfortunately, there’s no pre-application to get a quick look at offers before you fill out the entire application.
The application starts by asking for your name and contact information. It then asks a series of questions to determine what types of loans you’re eligible for. These include whether you want to purchase or refinance and whether you or a spouse have served in the military. You must also answer questions about your employment, income, and credit history.
Once you complete the application, you can see your offers and compare rates. If you find an offer you like, you’ll need to upload the following documents:
- A copy of your ID
- A recent utility bill
- Statements for your current mortgage, if you have one
- 1099 or W-2 forms for the last two years
- Paystubs for the last 30 days
- A copy of your existing homeowner’s insurance policy, if you have one
After these documents are approved, you’ll receive pre-approval for your loan. You can also download a letter to show sellers to confirm your financing.
When your loan is ready to close, you can complete and sign the closing documents online. ClickStart can close mortgages in as little as 15 days, although the time varies by lender.
Remember that ClickStart Mortgage is a mortgage marketplace. While you can complete the entire loan application process through ClickStart Mortgage, you’ll need to communicate with a different company to make your monthly mortgage payment. ClickStart will manage your profile in the background and will continue to communicate with you for any refinance opportunities down the road.
Rates and Terms
ClickStart Mortgage displays the current best rates available on the platform. However, the displayed rate isn’t updated frequently. At the time of writing, it was two months old and appeared to no longer be accurate.
Rates vary by lender, your creditworthiness, and the type of loan you need. Most loans available through ClickStart Mortgage come with terms of 5-30 years and do not have prepayment penalties.
Help and Support
ClickStart Mortgage offers customer support by phone, live chat, and email from 9 a.m.-8 p.m. (PT) Monday-Friday and 10 a.m.-5 p.m. on Saturday. The company’s website doesn’t offer a lot of educational information about the different types of loans available. Still, it’s easy to get in touch with a loan officer with any questions.
Phone: 800-701-7908
Email: contact@clickstartmortgage.com
Summary
ClickStart Mortgage is an online mortgage marketplace that gives every borrower access to wholesale mortgage rates. The company works with a network of major lenders to offer the most common types of mortgage loans, including refinance loans and HELOCs. You can compare offers and apply online through ClickStart Mortgage, which makes the process of getting a mortgage much faster.
Overall, this platform is a great place to start your search for any mortgage.
Physical Address
7135 East Camelback Rd, Suite 230, Scottsdale, AZ 85251
Methodology
This review is based on information on the ClickStart Mortgage website and customer reviews from Trustpilot and the Better Business Bureau.
FAQsWhat credit score do I need for a mortgage?
ClickStart Mortgage doesn’t set a minimum credit score to qualify for a mortgage, but most of the lenders it works with require a credit score of 620 or higher. You can still apply with ClickStart Mortgage if your credit is below 620, but you may not receive any loan offers.
What are wholesale mortgage rates?
Wholesale mortgage rates are the rates that banks and large retail lenders only offer to other 3rd party lenders like ClickStart. This can result in much better pricing for the consumer compared to them going to these large lenders directly.
Does ClickStart Mortgage offer pre-approval letters?
Yes, you can get a pre-approval letter from ClickStart Mortgage once you complete the initial application and submit your supporting documents.
How quickly does ClickStart Mortgage close loans?
ClickStart Mortgage can close loans in as little as 15 days. However, the exact amount of time to close will vary based on the lender that is originating your loan.
Written byMichael Graw
Michael Graw is a personal finance expert at BestMoney.com, specializing in online banking and insurance. His work has appeared in print magazines and on high-impact websites. With a passion for clarity and practicality, Michael helps readers navigate today’s financial landscape.
