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Wyndham Capital Mortgage Review

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Michael Graw
Michael Graw
Nov. 15, 20224 min read

Wyndham Capital summary

Wyndham Capital Mortgage is a North Carolina-based mortgage and refinance lender founded in 2001. The company has funded over $18 million in loans and has a 98% customer satisfaction rating on LendingTree. Wyndham Capital Mortgage’s application and signing processes take place online. Most mortgages close in just a few weeks and the company offers $10,000 if your closing is late. There is no minimum credit score required to apply for a mortgage.

Pros

  • On-time closing guarantee
  • Fully online application and closing process
  • Transparent rates and pricing

Cons

  • Cannot apply for or close your loan in-person
  • Doesn’t offer USDA mortgages
Wyndham Capitalat a glance
4.8

Editorial score

Customer Service and Support

Excellent customer service

5.0

Variety of Loan Types

Purchase, refinance, cash-out, FHA, VA

5.0

Variety of Products

10-, 15-, 20-, 30-years loan terms

5.0

Online Experience

Rates and larening materials easily accessible

5.0

Geographical Availability

Licensed in 28 states

4.0

Wyndham Capital Wyndham Capital Visit Wyndham Capital

Overview

Wyndham Capital Mortgage is a North Carolina-based lender that operates in 45 states and has funded more than $18 million in loans since its founding in 2001. The lender offers a wide range of mortgages and refinancing options, including both fixed-rate and adjustable-rate mortgages.

A big part of what makes Wyndham Capital Mortgage stand out is its fully digital lending process. You can get a rate quote, apply for pre-approval, and close your loan online. You have the option to talk to a loan officer at any time, but there are no physical branches for in-person help.

Wyndham Capital Management can typically close a mortgage in just a few weeks. The company also guarantees on-time closing and offers a $10,000 bonus if your signing is late.

Suitable For?

Wyndham Capital Mortgage is most suitable for homebuyers who want an all-digital mortgage experience. The company allows you to not only get a quote and pre-approval online but also to close your mortgage with an e-signing instead of a traditional paper signing.

Another benefit to Wyndham Capital Mortgage is that this lender doesn’t require a minimum credit score. You must have a score of 580 to apply for an FHA loan, but you can qualify for a conventional mortgage with a credit score of 500 or lower.

Wyndham Capital Mortgage can also be a good option for buyers and refinancing homeowners who want to close quickly. This lender beats the industry average time-to-closing in 60% of cases and offers an on-time closing guarantee.

Types of Loans/Products

Wyndham Capital Mortgage offers both mortgages and refinancing. You can choose between conventional, jumbo, FHA, and VA mortgages, although the company doesn’t offer USDA mortgages. You can also choose between a fixed-rate or adjustable-rate mortgage and the lender allows you to purchase points to reduce your rate.

  • Rates from 2.118% APR
  • Minimum 3% down payment
  • No minimum credit score required
  • 15, 20, and 30-year terms
  • On-time closing guarantee

The Application Process

The Wyndham Capital Mortgage application process is entirely online. You’ll need to input details about yourself, your finances, and the home you’re interested in buying. You can submit all required supporting documents, such as pay stubs and tax returns, online. If you need help at any point during the process, you can get in touch with a loan officer by email or over the phone.

Repayment Terms

Wyndham Capital Management offers fixed-rate and adjustable-rate mortgages with 15, 20, and 30-year terms. You can get a personalized rate quote online in minutes, and the lender is transparent about how much it costs to purchase points that reduce your interest rate. For a $550,000 home in Washington, Wyndham Capital Management offers rates as low as 2.118% APR for a 15-year mortgage or 2.742% APR for a 30-year mortgage.

Help & Support

You can get in touch with a Wyndham Capital Mortgage loan officer by email or over the phone. Support is available from 8 am-5:30 pm (ET) Monday-Friday.

Phone: (888) 923-9911

Email: welcome@wyndhamcapital.com

Summary

Wyndham Capital Mortgage offers a fully online process for setting up your mortgage or refinance loan. The lender offers a wide range of mortgages with fixed or adjustable rates. You can get a rate quote online in minutes and easily contact a loan officer for help with the application process. Wyndham Capital Mortgage typically closes mortgages faster than the industry average and offers a $10,000 bonus if your closing is late.

FAQs

Can I close my mortgage in person?

Wyndham Capital Mortgage is fully digital, so you must e-sign documents to close your mortgage. The lender does not offer in-person closing.

Is Wyndham Capital Mortgage available in all states?

Wyndham Capital Mortgage operates in 45 states. Mortgages are not available in New York, Hawaii, Alaska, Massachusetts, or North Dakota.

What documents do I need to apply for a mortgage?

You will need to provide proof of income, tax returns, and documentation of any outstanding debts.

Can I be pre-approved for a mortgage with Wyndham Capital Mortgage?

Yes, Wyndham Capital Mortgage offers pre-approval, so you can shop for a home with an offer already in place.

Physical Address

Wyndham Capital Mortgage, 4064 Colony Rd. Morrocroft 2, Floor 2, Charlotte, NC 28211

Wyndham Capital Wyndham Capital Visit Site

Methodology

This review was created using information from the Wyndham Capital Mortgage website and LendingTree.

 

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.‎

Wyndham Capital
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  • author
    Ken S
    Nov 24, 2022
    Home Equity Borrowing Experience

    I used a home equity loan to buy an adjacent vacant lot. Just to set the scene, I have >800 credit and never even missed a payment on a credit card. The first two people I dealt with (Bryant and Stephanie) were nice, professional, and competent. Then my loan went to an underwriter, and the experience was so poor that it left a really bad overall impression of Wyndham. The underwriter obsessed over tiny accounts (CDs) that had nothing to do with my ability to repay the loan. She kept asking for documents that I had already provided. At one point I literally told my loan originator that she must have it in for me, though I had no idea what I had done to deserve it.

    ...

  • author
    Mrs Nicole Fulton
    May 16, 2022
    BUYER STAY AWAY!!

    BUYER STAY AWAY!!! AWFUL AWFUL AWFUL SERVICE!!

    ...

  • author
    Michael Overcash
    Feb 06, 2022
    DISHONEST, unscrupulous company, with a phony guarantee!

    Unfortunately, I allowed WYNDHAM Capital Mortgage to cost me thousands of dollars and about 100 hours of my life. My credit score is >800, I owe less than 50% of my home value, and in every way am a perfect client, yet they dragged me through THREE MONTHS of unnecessary appraisals (on my dime), literally scanning and hunting down of 100's of pages of a ridiculous assortment of documents (which I provided), all to delay my loan so long that I lost my other offers and the rates went up. They claim to have "on-time closing guarantee" but they are dishonest and seriously change the terms over and over for the most petty and absurd reasons. I was "approved" many times, but then something would mysteriously change (prime rates went up). After 3 months of excuses I am out a bundle, will never get back my time or money, and missed the opportunity to lock in the low rates of 2021. Avoid this company! The sales people are very nice, but they have no control over their underwriter, creating a disconnected, frustrating, horrible experience.

    ...

  • author
    Anonymous
    Nov 22, 2021
    Great refi with Wyndham Capital Mortgage

    It was great to work with Blair and Dominque, they were very prompt and professional in answering questions and orchestrating the flow of documents. They kept me continuously updated on docs they needed from me and status of the loan. The fees were reasonable and I got a great rate. I will definitely recommend Wyndham Capital Mortgage to friends and family.

    ...

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