- Compare mortgage offers from multiple lenders
- See offers online in minutes
- Completely free to use
- Loan information not available in all areas
- Lenders may contact you directly
eMortgage at a Glance
|Direct lender or marketplace?||Marketplace|
|Loan types||Mortgage, refinance, home equity loan, reverse mortgage|
|Loan amount||Varies by lender|
|Repayment terms||Up to 30 years (varies by lender)|
|Minimum down payment||Varies by lender|
|Minimum credit score||Varies by lender|
|Suitable for||Comparing mortgage offers|
eMortgage is an online mortgage comparison service offered by HSH, a company that’s specialized in helping homebuyers find mortgage information for more than 40 years. With eMortgage, you can compare offers for a mortgage, refinance, home equity loan, or reverse mortgage from up to 5 lenders at a time. The online comparison tool only takes a few minutes to find suitable offers and is completely free to use. You’re also not obligated to accept any of the quotes presented, so this is a non-committal way to find out more about mortgage options in your area.
eMortgage is most suitable for homebuyers who want to research mortgage quotes or for existing homeowners who want to compare refinance, home equity loan, or reverse mortgage offers. With eMortgage, you can see quotes from up to 5 lenders in your area in minutes and at no cost. So if you’re just starting your search for a mortgage, eMortgage can be a good place to begin.
Types of Loans/Products
eMortgage enables you to compare offers for mortgages, mortgage refinancing, home equity loans, and reverse mortgages. Lenders in eMortgage’s network offer conventional, jumbo, VA, and FHA loans. eMortgage asks about your military history and credit score to see if you may qualify for a government-backed VA or FHA loan.
Loan terms and requirements, such as credit score and down payment, vary widely by lender. However, there are very few restrictions on who can use eMortgage. If the service can’t find mortgage offers based on your information, eMortgage will recommend lenders in your area who may be able to work with you.
The Application Process
You can start using eMortgage for free and it only takes a few minutes to find quotes. You’ll need to enter information about the price and location of the home you want to buy, your credit score, and your contact information. No sensitive personal details, such as your social security number, are required by eMortgage, and the service does not run a credit check. Once you’ve filled out the online form, eMortgage will automatically display offers from up to 5 mortgage lenders in your area.
Mortgage terms are dependant on the lender in question. eMortgage offers information about your estimated APR, loan term, and monthly payment when presenting mortgage offers, but you’ll need to apply with a lender individually to confirm these terms.
Help & Support
eMortgage does not offer any customer support. If you have questions about a loan offer, you can contact the lender directly. Since eMortgage is a comparison tool and does not issue loans itself, the lack of support shouldn’t be an issue for most users.
eMortgage uses 256-bit AES encryption to protect any information you enter on its site. The online comparison tool requires contact information but no sensitive details like your social security number.
eMortgage will pass your contact information to any lenders that make offers, and they may contact you directly. If you wish to stop being contacted by lenders, you can remove yourself from eMortgage’s contact list through a form on the company’s website.
eMortgage makes it easy to compare mortgage, refinance, home equity loan, and reverse mortgage offers online. Simply enter information about your home or the home you want to purchase, and eMortgage will automatically deliver competing quotes from up to 5 lenders. eMortgage is not a direct lender, so you will need to follow up with lenders individually to find out more about the offers and application process.
Is eMortgage free?
Yes. There is no cost to compare mortgage offers with eMortgage. And you are not obligated to accept any offer.
Can I compare VA or FHA mortgages with eMortgage?
eMortgage enables you to compare VA or FHA mortgage offers from lenders that offer these loan types.
Is the interest rate I see on eMortgage the rate I’ll receive?
Interest rate quotes on eMortgage are estimates. You must apply with a lender directly in order to receive a confirmed rate offer.
Does eMortgage have a mobile app?
eMortgage does not have a mobile app, but you can access the online comparison tool from your smartphone’s web browser.
HSH, 2121 Tropicana Ave, Suite 2, Las Vegas, NV 89119
This review was created using information from the eMortgage website and online comparison tool.