Get the loan that gets you home
We offer mortgage loans with no hidden fees and guidance at every step. Start now by seeing what you can afford.
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Why Zillow Home Loans?
Competitive rates
Strong rates, no hidden fees, and total transparency to keep you informed and up to date.
Low down payment options
We offer a variety of loan options to meet your needs and help make home ownership more affordable.
Top-rated loan officers
With a 4.9-star average rating, our loan officers provide step-by-step guidance and expertise in first-time home buying.
Your home financing journey starts here
Not sure where to begin? Follow these steps to get home on your budget.
Prepare your finances
Review your credit score and income — and avoid taking out loans, opening credit cards or making large purchases for six months.
Get pre-qualified
In as little as five minutes,get an estimate of what you can borrow to shop for homes in your budget — with no impact to your credit.
Get pre-approved
Make strong offers on homes with a verified pre-approval letter. A loan officer will review the documents you've prepared and verify the amount you're approved for.
Apply for a mortgage loan
After the seller accepts your offer, you can formally apply for a mortgage. Our loan officers will provide expert guidance every step of the way.
Close on your new home
Congrats, homeowner! In most states, you'll close your loan with an escrow company. Once your loan is approved, the lender will finalize the sale.
How to get your mortgage with
Zillow Home Loans
Follow these steps to get home on your budget.
Prepare your finances
Review your credit score and income — and avoid taking out loans, opening credit cards or making large purchases for six months.
Get pre-qualified
In as little as five minutes,get an estimate of what you can borrow with Zillow Home Loans — with no impact to your credit.
Get pre-approved
Make strong offers on homes with a Verified Pre-approval letter. A Zillow Home Loans loan officer will review your documents and verify the amount you're approved for.
Apply for a mortgage loan
After the seller accepts your offer, you can formally apply for a mortgage. Your Zillow Home Loans loan officer will provide expert guidance every step of the way.
Close on your new home
Congrats, homeowner! In most states, you'll close your loan with an escrow company. Once your loan is approved with Zillow Home Loans, we will finalize the sale.
Track your BuyAbilitySM
Get a personalized, real-time estimate of the home price and monthly payment you can afford.
Scan the QR code to get the Zillow app.
Tap the home loans tab to get started.
Looking for a quick, one-time estimate?
Try this affordability calculator
Note: Simulated image. Actual loan types and BuyAbility will vary based on user inputs.
See what you can
afford with BuyAbilitySM
Zillow Home Loans' affordability tool gives you a personalized estimate based on real-time interest rates and even details like credit, insurance and taxes.
Note: Simulated image. Actual loan types and BuyAbility will vary based on user inputs.
Find the right loan option for you
Conventional loan
The most common loan type
- 3% min down payment
- Fixed and adjustable rates
- 15-, 20-, 25- or 30-year terms
- No mortgage insurance needed with 20% down or more
FHA loan
Popular with first-time buyers
- 3.5% min down payment
- Low down payment and flexible credit requirements
- 15-, 20-, 25- or 30-year terms
- Mortgage insurance required
VA loan
For eligible military, veterans and reserves
- 0% min down payment
- Competitive interest rates
- Reduced closing costs
- No mortgage insurance required
Conventional loan
The most common loan type
- 3% min down payment
- Fixed and adjustable rates
- 15-, 20-, 25- or 30-year terms
- No mortgage insurance needed with 20% down or more
FHA loan
Popular with first-time buyers
- 3.5% min down payment
- Low down payment and flexible credit requirements
- 15-, 20-, 25- or 30-year terms
- Mortgage insurance required
VA loan
For eligible military, veterans and reserves
- 0% min down payment
- Competitive interest rates
- Reduced closing costs
- No mortgage insurance required
Cash-out refinance
Tap into your home’s equity to access cash
- Use cash to pay for home remodels, college tuition, high-interest debt and more
- Access up to 80% of your home’s value
Conventional refinance
Adjust terms with a rate and term refinance
- Lower your interest rate or monthly payment
- Adjust your loan term: 15-, 20-, 25- or 30-year terms offered
- Potential to remove mortgage insurance
Streamline refinance
Refinance for existing FHA or VA loans
- No appraisal required
- Less hassle than traditional refinance processes
- Existing FHA, VA or other eligible mortgage required
Cash-out refinance
Tap into your home’s equity to access cash
- Use cash to pay for home remodels, college tuition, high-interest debt and more
- Access up to 80% of your home’s value
Conventional refinance
Adjust terms with a rate and term refinance
- Lower your interest rate or monthly payment
- Adjust your loan term: 15-, 20-, 25- or 30-year terms offered
- Potential to remove mortgage insurance
Streamline refinance
Refinance for existing FHA or VA loans
- No appraisal required
- Less hassle than traditional refinance processes
- Existing FHA, VA or other eligible mortgage required
Most popular loan options from Zillow Home Loans
Conventional loan
The most common loan type
- 3% min down payment
- Fixed and adjustable rates
FHA loan
Popular with first-time buyers
- 3.5% min down payment
- Flexible credit requirements
VA loan
For eligible military, veterans and reserves
- 0% min down payment
- Reduced closing costs
Want to understand your loan options? Let's find the best mortgage for you.
Conventional loan
The most common loan type
- 3% min down payment
- Fixed and adjustable rates
FHA loan
Popular with first-time buyers
- 3.5% min down payment
- Flexible credit requirements
VA loan
For eligible military, veterans and reserves
- 0% min down payment
- Reduced closing costs
Want to understand your loan options? Let's find the best mortgage for you.
Cash-out refinance
Tap into your home’s equity to access cash
- Use cash to pay for home remodels, college tuition, high-interest debt and more
- Access up to 80% of your home’s value
Conventional refinance
Adjust terms with a rate and term refinance
- Lower your interest rate or monthly payment
- Adjust your loan term: 15-, 20-, 25- or 30-year terms offered
- Potential to remove mortgage insurance
Streamline refinance
Refinance for existing FHA or VA loans
- No appraisal required
- Less hassle than traditional refinance processes
- Existing FHA, VA or other eligible mortgage required
Cash-out refinance
Tap into your home’s equity to access cash
- Use cash to pay for home remodels, college tuition, high-interest debt and more
- Access up to 80% of your home’s value
Conventional refinance
Adjust terms with a rate and term refinance
- Lower your interest rate or monthly payment
- Adjust your loan term: 15-, 20-, 25- or 30-year terms offered
- Potential to remove mortgage insurance
Streamline refinance
Refinance for existing FHA or VA loans
- No appraisal required
- Less hassle than traditional refinance processes
- Existing FHA, VA or other eligible mortgage required
Real people making home a reality
Buyers like you ❤️ Zillow Home Loans
Here's how happy homeowners made home a reality with our loan officers.
Meet the team who'll take you from dreaming to closing
Ready to buy? Call (855) 917-2501 to find the right mortgage for you.
Meet the team who'll take you from dreaming to closing
Ready to buy? Call (855) 917-2501 to find the right mortgage for you.
Learn more about home financing
Pre-qualified vs. pre-approved: What’s the difference?
How your credit score is calculated
How are mortgage rates determined?
Want more content? Visit our Learning Center
Want more content? Visit our Learning Center
Ready to take the first step?
See how much home you qualify for with a pre-qualification today.
Have questions? We can help.
Check out our FAQ or give us a call at (855) 917-2501.
Have questions? We can help.
Check out our FAQ or give us a call at (855) 917-2501.
