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Interfirst review

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Michael Graw
Michael Graw
Apr. 27, 20224 min read

Interfirst summary

Interfirst is an Illinois-based mortgage lender founded in 2001. It offers direct-to-consumer mortgages and refinances online, as well as wholesale loans to third-party mortgage brokers. Interfirst doesn’t share current mortgage rates online, but you can get a quote and be pre-approved for a loan in minutes using the online application. Interfirst requires a minimum credit score of 620 and a minimum down payment of 15%.


  • Fast online pre-approval
  • Offers jumbo loans
  • Excellent customer reviews


  • Doesn’t publicize current rates online
  • No FHA, VA, or USDA loans
  • Minimum down payment of 15%
Interfirstat a glance

Editorial score

Customer Service and Support

Good customer support


Variety of Loan Types

Purchase, refinance, Jumbo


Variety of Products

10-, 15-, 20-, 25-, 30 year terms


Online Experience

User-friendly website, no rates


Geographical Availability

Available in 19 states and Washington D.C.


Interfirst Interfirst Visit Interfirst


Interfirst is an online mortgage lender that offers both direct-to-consumer and wholesale loans. The company’s direct-to-consumer loans include conventional and jumbo mortgages as well as mortgage refinances. Unlike other lenders, Interfirst does not offer government-backed FHA, VA, or USDA loans, and all mortgages require at least a 15% down payment. You can choose from fixed-rate or adjustable-rate repayment options with terms ranging from 10-30 years.

Suitable For?

Interfirst is suitable for individuals who want to apply for a mortgage online. The platform offers an online pre-application that takes several minutes to fill out, but you can be pre-approved for a mortgage or refinance and see your rate at the end of the process. If you want to move ahead with your loan, you can choose to complete your application online or speak with a loan officer.

Interfirst offers both conventional and jumbo loans starting from $100,000, so it is suitable for purchasing in high-cost areas. However, the company is currently only licensed in 18 states: Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Louisiana, Michigan, Minnesota, Mississippi, New Mexico, Ohio, Oregon, Texas, Utah, Virginia, West Virginia, and Wisconsin. 

Notably, Interfirst loans can be used for investment properties. This lender is suitable for buyers who already own a home or are interested in buying a home for investment income rather than making it their primary residence.

Interfirst requires a 15% down payment for all mortgages and doesn’t offer FHA, VA, or USDA loans. It also requires a minimum credit score of 620. It’s not suitable for individuals with poor credit or for first-time homebuyers who want to make a down payment of less than 15%.

Types of Loans/Products

Interfirst offers conventional and jumbo mortgages and refinances. You can choose a repayment term from 10-30 years and choose between a fixed or adjustable rate. Interfirst doesn’t offer points, so the cost of your loan is visible upfront. You must go through the pre-application process to see current mortgage rates.

  • Minimum 620 credit score
  • Loans from $100,000 and up
  • Minimum 15% down payment required
  • 10, 15, 20, 25, and 30-year terms

The Application Process

You can apply for a mortgage with Interfirst entirely online, although the company also has loan officers available by phone to walk you through the application process.

To start, you will need to fill out the pre-application form. This requires information about your income, employment, assets and debts, and any existing real estate you own. It takes several minutes to complete, and Interfirst will run a hard credit check at the end. Once the pre-application is complete, you will be pre-approved for a loan and can see your rate offer.

If you want to proceed with Interfirst’s offer, you can upload required documents, including pay stubs and bank statements, through the online portal.

Repayment Terms

Interfirst offers loans with repayment periods of 10, 15, 20, 25, or 30 years. You must apply to get current rates.

Help & Support

Interfirst offers customer support by phone and email from 9am-5pm CT Monday-Friday. The company doesn’t offer many resources on its website for prospective borrowers.

How Interfirst Compares

Here’s how Interfirst stacks up against competing mortgage lenders.

Minimum Credit Score
Minimum Down Payment
DTI Ratio
45% or less
45% or less
43% or less
30-year Fixed-rate APR
Must apply4.229%
Best for
Fast online application
Wide range of mortgage optionsLowest rates


Interfirst offers conventional and jumbo mortgages and mortgage refinance loans with 10-30 year terms. Unlike other lenders, Interfirst doesn’t offer government-backed FHA, VA, or USDA loans, and you must make a down payment of at least 15%. Interfirst offers a fully online application process. You must go through the online pre-application, including a credit check, to see current rates.


What states does Interfirst offer mortgages in?

Interfirst offers mortgages in Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Louisiana, Michigan, Minnesota, Mississippi, New Mexico, Ohio, Oregon, Texas, Utah, Virginia, West Virginia, Wisconsin, and Washington, D.C.

Does Interfirst service all the mortgages it makes?

Interfirst does service mortgages, but your loan may also be sold to another mortgage servicer. A transfer of your mortgage does not impact the terms of your loan.

How do I pay my Interfirst mortgage?

Interfirst’s mortgage servicing branch will get in touch after your loan closes to create an online account for you. You can pay your mortgage online.

Is Interfirst accredited with the Better Business Bureau?

Interfirst is accredited with the Better Business Bureau and has an A rating.

Interfirst Interfirst Visit Interfirst


This review was created using information from the Interfirst website, Trustpilot, and the Better Business Bureau.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

GreatReviews 2
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Trustpilot reviews

See what some costumers are saying about Interfirst
GreatReviews 2
  • author
    a day ago
    Excellent Service

    The refinance process was amazing! I love the interface they have for the mortgage home page. Lots of helpful tools and easy to navigate.


  • author
    Don Mattingly
    a day ago
    Home Refinance (Early 2022)

    We refinanced our home in early 2022. The lenders were responsive, including dealing with our requested change in loan amount and payment term. We received a very good rate from them, as good as any other lender offered. We were pleasantly surprised that they retained our mortgage, and we have found their online site to be easy to navigate. Our only complaint has been that we intentionally got ahead on our payments, but can't schedule an autopay in the middle of the month.


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