Zillow Home Loans

Menu

Get the loan that gets you home

We offer mortgage rates up to 0.50% lower (0.5 points on a 30-year fixed-rate loan) than the industry average.

See your options

Already working with us? Access your dashboard

Happy couple with new home

Why Zillow Home Loans?

Competitive rates

Competitive rates

Here's a look at today's rates and the competitive advantages we offer vs. other lenders.

Low down payment options

Low down payment options

Get in a home with as little as 3% down and explore loan options customized for your situation.

Top-rated loan officers

Top-rated loan officers

Work with experienced loan officers with an average rating of 4.9/5 stars who guide you through every part of the process.

Your home financing journey starts here

Step 1 Step 1 of 3

Get pre-qualified

Answer a few quick questions about your income, assets, and debt to see if you might qualify for a loan—no credit check needed.

See your outcomes →
Step 2 Step 2 of 3

Get pre-approved

Take the next step and get verified. Submit documents and complete a credit check to get a pre-approval letter to show sellers.

See details →
Step 3 Step 3 of 3

Get to a completed loan

Your loan officer helps you finalize your loan once your offer is accepted. We close on time and make the process seamless.

See details →

Track your BuyAbility™

Understand where you stand today and the real cost of a new home in your area.

Scan the QR code to get the Zillow app

QR Code

Use the home loans tab to get started

Couple checking their phone

Find the right loan option for you

Purchase
Refinance
MOST POPULAR

Conventional loan

  • 3% min down payment
  • Wider range of property types
  • No upfront mortgage insurance
  • Lower costs than FHA or VA loans
  • See specific terms →
    Get pre-qualified
    GOVERNMENT BACKED

    FHA loan

  • 3.5% min down payment
  • Lower credit score needs
  • 580, 600, or 620 credit min
  • Mortgage insurance required
  • See specific terms →
    Get pre-qualified
    MILITARY & VETERANS

    VA loan

  • 0% min down payment
  • Competitive interest rates
  • No mortgage insurance
  • For qualified veterans/military
  • See specific terms →
    Get pre-qualified

    Real people making home a reality

    Meet the team who'll take you from dreaming to closing

    Here's a look at what our team does to help you find the right mortgage solution for your needs

    Team video

    Learn more about home financing

    Pre-qualification
    Pre-qualified vs. pre-approved: What's the difference?
    Read article →
    Credit score
    How your credit score relates to mortgage qualification
    Read article →
    Mortgage rates
    What are mortgage rates and how do they work?
    Read article →

    Want more content? Visit our Learning Center

    Ready to take the first step?

    See how much you can afford with a free qualification check

    Get started
    Family illustration

    Partner with xzillow to Grow Your Business

    Reach millions of buyers, sellers and renters on the largest real estate network on the web.

    Select your industry to get started

    I'm an agent or broker

    Get started

    I'm a property manager

    Get started

    I'm a landlord

    Get started

    I'm a lender or loan officer

    Get started

    I'm a builder

    Get started

    I am a brand or local advertiser

    Get started

    Reach your target audience on our network of leading real estate sites.

    Zillow Group Audience

    41% to buy or sell

    Nearly 41% of people who visited Zillow and/or Trulia in the past 12 months are planning to buy and/or sell a home in the next 12 months.

    194 million

    More than 194 million average monthly unique users visited Zillow Group brands’ mobile apps and websites in Q2 2019.

    Most visited rental network

    Zillow Rentals is the most visited rental network.

    Source: 41% stat: Zillow Group Tracking Survey, Q2 2019. 194 million stat: Google Analytics and Adobe Analytics. Rental network claim: Comscore Media Metrix® Multi-Platform, Key Measures, Custom-defined list including: Zillow Rentals, Apartments.com Network, RentPath Network, ForRent.com & Homes.com Network, Total Visits, July 2020, United States. Zillow Rentals is the deduplicated reach of Zillow.com Rentals, Trulia.com Rentals and HotPads.com.