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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.

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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.

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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.

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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

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Use the home loans tab to get started

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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

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