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Zillow Reviews 2022

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Reviews 25

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Sarah Pritzker
Sarah Pritzker
May. 03, 20214 min read

Zillow PX summary

Zillow 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.

Pros

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

Cons

  • Not licensed in all states
  • No live chat customer support

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Overview

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

What’s more, Zillow 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 gives them all the information they need to proceed with confidence.

Types of Loans/Products

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

  • Conventional
  • VA
  • FHA
  • 203(h)

Zillow 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. 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 rep will reach out to you to finalize your application process. Borrowers who are interested in continuing directly with Zillow will be sent a digital disclosure form. That's a convenient step in the process. Zillow’ 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 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’ 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 also have rate-lock offers in different time frames to accommodate more borrowers.

Repayment Terms

Zillow 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:

888-852-2212

Summary

Zillow 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 is certainly settling into the new industry admirably.

FAQ

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

A: Zillow 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 PX Zillow PX Visit Zillow

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.‎

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  • author
    Josh
    Sep 13, 2021
    Good customer service makes all the difference

    Overall, Zillow provided a great experience. My lending situation was more difficult as I'm in my first two years of being self-employed, but the lenders were tenacious and determined to help me make it possible!

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  • author
    Patrick Oiye
    Aug 06, 2021
    Phu is the best!

    We had a wonderful time working with Phu! We were first time home buyers and Phu was quick to answer any questions we had at any time of the day and helped us to find the best options for our needs! We both work quite a bit and his flexibility and availability was really helpful. Would recommend him to anyone I know looking for assitstance with a mortgage!

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  • author
    Diane
    Aug 02, 2021
    Thank You Phuoc Nguyen!!!

    It was time to refinance our mortgage and called numerous lenders before connecting with Phuoc Nguyen. My husband had been laid off March, 2020 and was out of work for almost 15 months. I got the run around with so may lenders as to whether or not they could do anything or even give me information without taking an application. I was so frustrated that not one person could give me a straight answer. Phuoc, like me, is a member of the lets be transparent and tell it like it is club. He was honest, kind and very empathetic with me. There was truly a connection between us and he is a man of his word and made this refinance a reality. Phuoc made life easy for me and my extremely busy husband. Just a wonderful human being that I would recommend to anyone I know that is either purchasing a home or refinancing. He is truly the best.

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  • author
    A.Y.
    Jul 31, 2021
    Another slam dunk!

    This is my second refinance with Anthony Mickelsen and Zillow Home Loans. Both times have been a complete breeze. Dealing with financial institutions usually feels like getting my teeth pulled out, but Zillow really makes it easy. Very pleasant and stress-free experience.

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  • author
    J.D.
    Jun 07, 2021
    This has been the most horrific, unethical, SHAMELESS…

    This has been the most horrific experience with a financial institution ever. A refinance has literally taken over 7 months and they are still gaslighting and breaking every fair lending practice. In the beginning of December 2020 I interviewed and was promised a thirty-day closing, despite the IRS being closed and adversities with forbearance. The first loan officer, Marcus Anderson messed my loan up so bad, the paperwork was never submitted! Thirty-days led to virtually ninety-days! The day before closing I was informed, by a completely different department, that Marcus Anderson had never even performed the "Intent to Proceed Form"! This is basically the initial engagement! The most remedial portion of my loan was not completed by my "licensed loan officer". He literally did not submit the paperwork to even start my loan. So, three months into the process, Zillow Home Loans, LLC. attempted to cancel my lock, raise my rates and charge me to start all over again! When I contacted the DFPI they suddenly were willing to allege they would "honor the rates and original terms". My loan was transferred to a "more seasoned agent", Ben White, who predicted we would close by April 9, 2021; NOT EVEN CLOSE! So, another three months of jumping through hoops, following instructions to the "T', calling my lending institutions daily and Zillow reverts back to gaslighting. I am told in May, after literally, dozens of confirmations we were closing after additional payments are made to two different lenders! AFTER forbearance payments are made, Zillow Home Loans, LLC REFUSES TO CLOSE my loan because of misinformation regarding forbearance payments. Written emails and recorded phone calls from their "licensed loan officer" proves I followed his instructions to the 'T' and still no close! So ZILLOW HOME LOANS, LLC's next move....just stop responding to my calls! Literally a month later and zero communication. A new complaint filed with the CFPB and another complaint with the DFPI, in an effort to have my original lock and promised concessions honored and my loan processed. Rates have gone up almost 1.5 points, I removed my forbearance and paid my loan to almost $20k! This company is as bigoted and backward as they come. Be prepared for unethical, inept and demeaning interactions. Document ever conversation in writing, you will need every shred of evidence to hold this entity to their word; It's June 6, 2021

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  • author
    Ultra Instinct Master
    Jun 02, 2021
    They refused to give me loan…

    They refused to give me loan to buy pillows.

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  • author
    Tammi Miles
    May 20, 2021
    Michael, Christine and Harry at Zillow - Are a fantastic team!

    I wanted to express my extreme gratitude in helping me to secure a loan for my home. You all know my story with your tenacity and commitment to getting me and my family to a happy new start – I can’t thank you enough! I must say although my circumstances were extenuating and required an abundance of documents; the Zillow process was smooth and easy to manage. Michael Kim from the start you were patient, kind, devoted to exceeding expectations and knowledgeable – truly you are that guy loves numbers, loves a challenge and puts his heart into his work. Thank you from the very start! Christine Kim you are an amazing ball of energy and great at fighting to close the deal – I hope you had a great vacation and got a lot of time on the beach (with your laptop) 😉 Harry Nguyen – Thank you for that last minute call – when we were signing the closing documents. Your patience to answer all of my parents questions gave them that final reassurance. You’re the best. All in all you are an amazing team! I will highly recommend Zillow Home Loans. With much gratitude, Tammi

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  • author
    Tom V
    May 07, 2021
    Strong experience overall

    Strong experience overall. Kathy was fair, knowledgeable, and set the right expectations on timing. It was smooth and easy, and she was flexible.

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  • author
    Joshua Sloat
    May 03, 2021
    Ari Lally

    Hassle free loan process.

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  • author
    Dessie Hristov
    May 03, 2021
    Zillow Home Mortgage - amazing experience

    Zillow Home Mortgage - look no further for your next mortgage or refinance need. I had 2 homes to refinance, one went through Zillow and it is now done, the other one through my bank that I have been with 20 years...still ongoing... Kyle Segal was phenomenal! Helpful, knowledgeable, on top of things, kept the process moving forward every single day and kept me informed all the time.I wish I did both homes through Zillow! I cannot thank him enough for making it a smooth process! My busy schedule was always in the way, but he will text, email - match the best way to communicate with me for the time of day...He even remembered my favorite drink and my birthday! I work with customers as well, but he took customer service to a whole different level! So awesome! For my next transaction, I'm calling Team Zillow!

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  • author
    Jason
    May 02, 2021
    Becoming a fan of the process

    Let me start out by saying that Randy Choi has made me a fan. He worked so well on my loan that I followed him from his previous company to Zillow Home Loans and asked him to help with my brother's refinance; the process has been even better now than when I did my refinance, which is hard to believe is possible. My review is as follows: Top notch communication - Out of the many curiosity questions that we posed, Randy was always more than willing and happy to listen and answer. His response times I can only refer to as superior. Positive and down to earth- His fantastic personality shows through and it was easily clear from the beginning that he was there to help and you could talk to him the same way you could talk to your friend. It helped remove any communication barriers and we could easily talk about all concern and goals. Determined - The team was on target. We would receive emails or updates in the tracker that at times that made me wonder if they slept; it also told us that when they set a goal and make a promise they stick to it. Fantastic website interface- The Zillow Home Loans website is a fantastic and welcoming interface. It is very simple to understand and navigate, it does what it is supposed to do, it has a welcoming interface, it let's you know where your status is, document retrieval is easy, and document upload was seamless. Efficient process- I've done refinances in the past and some of the things asked for and processes used seemed extraordinarily inefficient and illogical. If you do Zillow Home Loans you get the other end of the spectrum to where you get so confused at how smooth things go that you try to volunteer stuff. Randy and his team moved so efficiently and informed us of the needed documents and regularly updated us on progress, it really minimized additional efforts on our part. Great teamwork- Randy informed us as to when we reached different stages and when handed information off to the next stages and the next leg of the Zillow home loans team. It easily went through the processor and when we had questions about the final packet, Nathan was available to answer questions as well. He was very nice to talk to as well and was also more than happy to make himself available for additional questions. It is obvious to me that Zillow Home Loans has a fantastic team of individuals who have a common work ethic. Fantastic rate- You could say that in these current times that getting a fantastic rate would be easy, but there are many things that determine that and it isn't always cut and dry. Needless to say Zillow Home Loans was able to get my brother a fantastic rate.

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  • author
    Dallin
    Apr 20, 2021
    Excellent experience

    Working with Mark Nouraei was a very good experience. He handled the process, from beginning to end, expeditiously and with full transparency. His knowledge and confidence made me feel comfortable that I was making the right decision. He is an asset to the company. Thanks a bunch Mark.

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  • author
    G&N
    Apr 17, 2021
    Rachel Garrett was very professional

    Rachel Garrett was very professional, knowledgeable and her communication was excellent! She saw our refi through from start to finish. Would highly recommend Zillow and Rachel!

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  • author
    manuel orencia
    Apr 14, 2021
    Would work with Zillow again!

    We were looking to refinance and happen to call Zillow due to their lower rates. Initially worked with Randy - he was great talking us through the process. We didn’t bother to call any other lenders. Paul helped us through closing - he was great too. Everything was as described and no surprises whatsoever, closed quickly. I’d gladly choose Zillow again!

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  • author
    Jessica Geeslin Velasco
    Apr 14, 2021
    Ben was fantastic to work with from…

    Ben was fantastic to work with from start to finish. He took the time to carefully explain what to expect and was readily available to answer questions I had throughout the process, even as we were doing our closing documents. There weren’t any surprises in this process, and I would recommend both Ben and Zillow Home Loans to anyone seeking to refinance.

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  • author
    Mariela Jimenez
    Apr 14, 2021
    Competitive interest rates, fast and…

    Competitive interest rates, fast and easy closing. Very professional team of experts to assure customer satisfaction! Kyle Segal was my kin originator and have nothing but amazing things to say about him!! Reliable, reachable pretty much all the time. They definitely know what they are doing!

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  • author
    Chun Wang
    Apr 14, 2021
    Great Service

    Kyle was very easy to work with and I would recommend him as a loan agent. He took the time to talk on the phone to answer any questions I had. He was also able to work around my work schedule and still respond very quickly. The cost of the loan and the interest rate were competitive and I could tell that he wanted to work with me to get the best loan available. What really stood out to me was his promise to close the loan faster than other lenders and how well he kept me updated on the status of the loan. 5/5 stars !

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  • author
    Judith B Cohen
    Apr 13, 2021
    Mr Moe Ekhmies , a pleasure to work with.

    Mr. Moe Ekhmies was my initial contact with Zillow Home Loans. From the beginning he was polite, helpful, and well informed. He provided all the information and help that I needed, in a positive and respectful way. All the necessary information was successfully provided, and we made remarkable progress in completing all the paperwork. The refinance was completed in just a few weeks, unlike the experiences of friends who took months. In short, I am very happy to report on my experience with Moe Ekhmies. I am recommending him highly to friends and family. It has been my very good fortune to have worked with him.

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  • author
    Jesus S.
    Apr 13, 2021
    Alessandra - Simply the best

    Alessandra provided such amazing support from beginning to end. She was very thorough in explaining every step of the refi process and took the time to answer my many questions. I spoke to several refi companies and nobody provided the level of expertise and attention to detail that made me feel like I was in good hands, until I spoke to Alessandra. One very important thing for me that put Alessandra at the top in terms of excellent service was that she consistently put in the effort to reach out to me via email, text and calls to provide updates or answer questions as opposed to me having to chase her around. I am very satisfied with the overall process and it took less than 30 days to complete. I highly recommend Alessandra to anyone looking to refinance or anyone who is looking to purchase, I am certain you will get the same level of support and expertise that I received.

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  • author
    Gabriella Vago Burns
    Apr 13, 2021
    This was the fastest and easiest RF I…

    This was the fastest and easiest RF I did so far. Professional business from the loan department.

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  • author
    Joy
    Apr 13, 2021
    Ari Lally did a phenomenal job

    Ari Lally did a phenomenal job. We had attempted to use another company and after months of dragging out the process, we walked away from them. Ari did a wonderful job of explaining everything and assuring me that the process would be much better with Zillow. He was right. It hasn’t even been a month and we are ready to close. Thank you to the whole team. I am so glad I chose Zillow and even happier that Ari was assigned to me. Great job!

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  • author
    NikkiT
    Apr 13, 2021
    Mark Nouraei is your guy! Highly Recommend!

    Mark Nouraei was extremely knowledgeable. He explained all of the options to us and worked with us to find the best possible option and outcome for us. He was very personable and I love that he didn't rush us or treat us like another number on his list. Thank you Mark! We will recommend you to all of our family and friends.

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  • author
    Marty Bowen
    Apr 13, 2021
    Zillow Home Loans was awesome

    Zillow was awesome. Michael Kim was very helpful and made the process go so smoothly. He stayed involved throughout the entire process.

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  • author
    Anthony Dean
    Apr 13, 2021
    Highly Recommend Zillow Home Loans

    Zillow attracted my attention when shopping for a home refinance due to their low rates and lowest closing costs I could find. I contacted Wallace Carter who became my loan officer. He walked me through the entire process and made it easy. He was responsive to my emails and answered all my questions to my satisfaction. We closed the refinance in less than three weeks. I would recommend Zillow Loans and Wallace Carter for any mortgage needs and will be using them again in the future.

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  • author
    Feedback Giver
    Feb 16, 2021
    ZHL, one of a kind

    ZHL offers such competitive rates, as well as excellent customer service. What a wonderful refinancing experience! Thanks for being such a teammate, Zillow!

    ...

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