The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.

Zillow Home Loans Reviews 2021

Find a customized quote easily

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Sarah Pritzker
Sarah Pritzker
May. 03, 20214 min read

Zillow Home Loans summary

Zillow Home Loans strives to help you secure your mortgage with competitive rates and fees, low down payment options and a variety of loan types to meet your needs. They keep you informed and up-to-date so that you get a smooth and transparent process when getting a mortgage.


  • Competitive rates
  • Top notch customer service
  • Trustworthy and transparent


  • Not licensed in all states
  • No live chat customer support
Zillow Home Loansat a glance

Editorial score

Customer Service and Support

Very helpful loan officers


Variety of Loan Types

Purchase, Refinance, Home Equity loans available


Variety of Products

Wide array of terms


Online Experience

User friendly website


Geographical Availability

Not available everywhere


Zillow Home Loans Zillow Home Loans Visit Zillow Home Loans


Zillow Home Loans (NMLS #10287) is an Equal Housing Lender that provides mortgage loans for the purchase of new homes and refinancing options for current homeowners. With a variety of loan products available, including conventional loans, VA loans, and FHA loans. Zillow Home Loans have flexible repayment terms, low or no down payment, depending on the loan type, and competitive rates.

Additionally, Zillow Home Loans has a manual underwriting procedure. While this may take a little longer, it's actually a good thing for borrowers because it means each case is looked at personally and decided on a case-by-case basis. That gives borrowers a better chance of finding approval than the generic, automated process offers.

Best For?

Zillow Home Loans is a particularly good choice for new home buyers for two reasons. For one thing, the Zillow Home Loan team is reputed to be supportive, dedicated, and highly-qualified at what they do. Based on consumer reviews and a built reputation, Zillow Home Loan officers are efficient, ready to go to bat for you, and knowledgeable in all the right areas.

What’s more, Zillow Home Loans spells everything out very clearly on the website. So, for first-time buyers who aren’t familiar with the process of buying a new home, don’t know the terminology, and aren’t clear on the details, Zillow Home Loans gives them all the information they need to proceed with confidence.

Types of Loans/Products

Zillow Home Loans offer several loan products for both new purchases and current homeowners looking to refinance. Purchase loans available include

  • Conventional loans, including Home Possible and HomeReady loans
  • VA loans
  • FHA loans

Zillow Home Loans has fixed-rate mortgages. Additionally, you can find refinancing options that include:

  • Conventional
  • VA
  • FHA
  • 203(h)

Zillow Home Loans offer both mortgage loans and refinancing options for single-family homes, townhomes, manufactured homes, and condominiums.

  • Credit required: 620 for Conventional loans and 660 for FHA and VA loans
  • Down payments: 0%-3% (requires PMI if lower than 20%)
  • Loan terms: 10, 15, 20, 25, 30-year fixed

The Application Process

You can get a mortgage loan directly through Zillow Home Loans. This is a straightforward process that offers the benefit of having a professionally-trained loan officer handle your case from start to finish. After filling out the online application form, a Zillow Home Loans rep will reach out to you to finalize your application process. Borrowers who are interested in continuing directly with Zillow Home Loans will be sent a digital disclosure form. That's a convenient step in the process. Zillow Home Loans’ underwriters manually verify each applicant's employment income and assets and will look into property in question to verify that it meets requirements.

Rates and Fees – The Bare Basics

Zillow Home Loans offers some very low rates. It does charge an origination fee, though, so watch out for this one. Ask before you get too deep into the process how much this will be and if there are any other fees associated with the overall mortgage loan process you should know about.

In terms of loan rates, Zillow Home Loans’ are very competitive. It offers a variety of different loan types, and you can even find low or no down payment loans. You can get a conventional loan for 3.40%-4.57% APR. Plus, Zillow Home Loans also have rate-lock offers in different time frames to accommodate more borrowers.

Repayment Terms

Zillow Home Loans offers several repayment options, a big benefit for homebuyers who like to have their options left open. You can choose between 10, 15, 20, or 30-year fixed-rate loans. Alternatively, Zillow offers adjustable-rate mortgages (ARMs) that range from 3/1, 5/1, and 7/1 variations. Which is the right one for you will depend on how much you could afford to put down, how much you can pay per month, and how fast you want to repay your loan.

Help & Support

As mentioned, borrowers will get a loan officer to deal with their case from start to finish. This is personalized customer support at its best. If you have questions before you’ve been assigned someone, you can reach out to customer support via the phone or with the online contact form. Unfortunately, there’s no live chat.

Phone Number:



Zillow Home Loans is a reliable name in the real estate industry, so expanding its offerings to the home mortgage sector has been generally viewed as a win-win for everyone. With mortgage and refinancing loans boasting low rates, flexible repayment terms, and personalized customer service, Zillow Home Loans is certainly settling into the new industry admirably.


Q:  How will I know how much to take out for a mortgage loan?

A: Zillow Home Loans has several online tools that can help first-time buyers figure out how much they should take out for a mortgage loan. To begin with, there is an affordability calculator. This will help you understand exactly how much you can afford to pay towards a mortgage based on your income, expenses, and other factors. Then, the mortgage calculator will help you figure out how much money you should take out for your loan.

Q:What is homeowners insurance, and do I need it?

A:  Homeowners insurance is a kind of insurance policy that covers the costs of several damages, including fire, burglary, and structural damage. Homeowners insurance is generally a requirement if you want to get approved for a mortgage loan.

Q:  What are closing costs?

A: Closing costs are a broad category of fees you may have to pay when purchasing a home. They're paid at the time of closing the transaction and include things like appraisal, attorney fees, escrow fee, home inspection, origination fee, property tax, survey fee, and more.

Physical Address

10975 El Monte St. 

Overland Park, KS 66211

Zillow Home Loans Zillow Home Loans Visit Zillow Home Loans

Sarah Pritzker
Written bySarah Pritzker

Sarah Pritzker is a content writer with years of experience and a keen interest in the vast world of online consumer products. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Zillow Home Loans
Zillow Home Loans

Top 5 Mortgage Loans

Quicken Loans

Quicken Loans

Visit Site
Rocket Mortgage

Rocket Mortgage

Visit Site
AmeriSave Mortgage

AmeriSave Mortgage

Visit Site


Visit Site
site logo

Copyright © 2009-2021 Natural Intelligence Ltd. All Rights Reserved.

By using our content, products & services you agree to our Terms of Use and Privacy Policy.

  • About Us
  • Cookie Policy
  • Terms of Use
  • Partner with us
  • Privacy Policy
  • Contact

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.

Reproduction in whole or in part is strictly prohibited.