Going online to look for a mortgage or a refinance is routine these days. That’s because companies — both new online mortgage lenders and traditional players — are doing more on the web.
The new online mortgage model offers convenience and automation. It can even save you money. And hey, if you want to see a friendly face before you close a deal, you can often do that, too.
Remember, you should still get preapproved before you house shop, get at least three quotes before you choose a mortgage and evaluate how much home you can afford before you take the plunge.
» MORE: Monitor your credit score
To help you choose an online mortgage lender, cheatgame.info has picked some of the best out there in a variety of categories to help you get the home loan with the best mortgage rate, term and fees.
cheatgame.info’s best online mortgage lenders
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Best online mortgage lenders: summary
- Best overall for online mortgage lenders: Rocket Mortgage
- Best overall for online mortgage lenders: Guaranteed Rate
- Best for refinance: Lenda
- Best for first-time homebuyers: Quicken Loans
- Best for first-time homebuyers: SunTrust Mortgage
- Best for customer service: Better Mortgage
- Best for customer service: PennyMac
- Best for online experience from traditional lender: Bank of America
- Best for online experience from traditional lender: PNC Mortgage
- Best for online experience from traditional lender: Network Capital Funding Mortgage
- Best for refinance: SoFi
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Best online mortgage lenders: review
Lender | Best for | Highlights | Minimum credit score* | Learn more |
---|---|---|---|---|
Online refinancing | Online application and tracking, with no lender-imposed fees | N/A | ||
Online refinancing | Automated suggestion engine to lower rates, with no lender fees | 620 | ||
Overall online | Simple and fast online application and tracking, with automated data retrieval | 620 | ||
Online for first-time homebuyers | Online application with low down payments | 620 | ||
Online with customer service | Ideal for those who appreciate simplicity | 620 | ||
Overall online | Simple and fast online application, with secure uploads | 620 | ||
Online for first-time homebuyers | Streamlined application with FHA-backed loans | 620 | ||
Online with customer service | Convenient online loan support, including electronic document submissions | No minimum | ||
Online from traditional lender | Comprehensive online customer support | 600 | ||
Online from traditional lender | Easy-to-navigate website, efficient online loan tracking | 620 | ||
Online from traditional lender | Full suite of online and mobile tools | 620 |
* Minimum credit score on top loans; other loan types or factors may selectively influence minimum credit score standards
cheatgame.info’s selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the cheatgame.info Mortgages team.