Get a clearer picture of your finances

Zillow Home Loans provides online-based mortgage lending services and is committed to delivering best-in-class service and local market expertise, with communication and transparency every step of the way.

Zillow Home Loans was founded in 2000 as Mortgage Lenders of America and was acquired in 2018 by Zillow Group, which houses a portfolio of the largest and most vibrant real estate and home-related brands on the web and mobile.

• Competitive rates and fees
  No upfront appraisal costs*, low down payment options.
• Choose from a variety of loan types
  Conventional fixed rate and adjustable rate loans, Jumbo, FHA and VA.
• Close on time with no surprises
  Count on us to meet critical deadlines. ZHL closes over 12 days faster based on a survey of over 2500 lenders.**
• Transparent process
  Consistent and clear updates on the loan process from start to finish.

We are committed to keeping your information safe and secure. We use the same encryption and security used by major banking institutions. And we never resell your information to multiple lenders.

There is no impact on your credit score to become pre-qualified with Zillow Home Loans. Pre-qualification uses a soft credit check, which will not impact your credit score.

For pre-qualification, here are the main things we’ll ask:

• Where you are in your home-buying journey, what type of home you’re looking for, and if you have a history of home ownership.
• Info about your finances, like your credit score and how much savings you might put toward a home.

• Get Pre-Qualified: The first step in the Zillow Home Loans process is to get pre-qualified. A pre-qualification is an estimate of what you can afford, based on self-reported income and stated assets as well as a soft credit check (which does not impact your credit). You and your real estate agent can use your pre-qualification result to help you understand whether the homes in your area meet your financial needs. At Zillow Home Loans, we can pre-qualify you in as little as 3 minutes online with no impact to your credit score. Get started with your pre-qualification here.
• Get A Verified Pre-Approval Letter: When you’re ready to start touring and making offers, you’ll want to upgrade your pre-qualification to a Verified Pre-approval letter by completing a hard credit check and submitting documents that confirm the financial information you shared in your pre-qualification.
• Submit an offer on the home you love: When you find the home you love, your licensed loan officer can update your Verified Pre-approval letter to make the offer you submit more appealing to a seller.