Zillow Home Loans is the mortgage lending arm of Zillow, one of the largest real estate platforms in the U.S. It started as Mortgage Lenders of America in 2000 and became Zillow Home Loans after Zillow Group acquired it in 2018. Today it operates in 49 states, offering a full suite of mortgage products to homebuyers and refinancers.

Here’s why people choose Zillow Home Loans and what makes it worth considering if you’re buying or refinancing a home.

LOAN PROGRAMS OFFERED

Zillow Home Loans covers the core mortgage products most buyers need:

Conventional Loans
Standard fixed or adjustable rate mortgages with as little as 3% down in many cases. Good for borrowers with decent credit who want predictable payments.

FHA Loans
Government-backed loans with lower down payment and credit score requirements (3.5% down). Helpful for first-time buyers or those rebuilding credit.

VA Loans
Zero down payment and no mortgage insurance for eligible veterans and active military families, which can be a huge savings.

Jumbo Loans
For high-end home purchases above standard conforming limits, Zillow offers jumbo financing for qualified borrowers.

Refinancing Options
Zillow can refinance existing mortgages with rate-and-term, cash-out, or streamline options depending on the loan type.

Down payment assistance programs (like pilot programs allowing very low down payments) exist in select markets, showing Zillow is experimenting with ways to lower entry costs.

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COSTS, FEES, AND RATES

Zillow Home Loans doesn’t publish one-size-fits-all rates on their website, and that’s intentional. Mortgage pricing varies based on credit score, down payment, loan type, and market conditions, so Zillow focuses on giving borrowers customized quotes instead of generic sample numbers.

Competitive Market Rates
According to independent reviews, Zillow Home Loans’ rates generally track closely with national averages for conventional, FHA, and VA loans. That means borrowers are getting pricing that’s in line with what major lenders across the country are offering.

Standard Closing Costs and Origination Fees
Like most full-service mortgage lenders, Zillow charges standard closing costs and origination fees. Public reporting shows total closing costs typically land in the $7,000 to $8,000 range, with origination fees commonly around $1,500 depending on the loan. These are normal industry costs and are disclosed clearly during the loan process.

Personalized Pricing Instead of Generic Estimates
Rather than posting teaser rates that may not apply to most buyers, Zillow Home Loans provides real pricing based on your actual financial profile. Buyers can start with a soft-credit prequalification and then work directly with a loan officer to lock in accurate numbers for their situation.

For borrowers who want realistic pricing instead of marketing gimmicks, this approach provides a clearer picture of what a mortgage will actually cost.

BIG ADVANTAGES ZHL CAN OFFER

If you want to handle most of the process online, Zillow makes it quick to get prequalified and track progress.

You aren’t limited to just one product. Conventional, FHA, VA and jumbo loans are all available.

This is a genuine benefit for buyers who want to test the waters without affecting their score.

Integration with home search data and affordability tools can make the buying journey smoother.

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WHAT TO KNOW BEFORE YOU APPLY

Zillow Home Loans is built around simplicity and scale. They focus on the loan programs that cover the majority of buyers and refinancers, and they’ve designed their process to be fast, digital, and straightforward.

Focused Loan Menu
Zillow Home Loans sticks to the most common and widely used mortgage products: Conventional, FHA, VA, Jumbo, and refinancing. They don’t offer niche or specialty programs like renovation loans, construction loans, or ultra-local grant programs. For most buyers, that’s not a drawback. It keeps the process streamlined and easier to navigate.

Digital-First Experience
Zillow Home Loans is designed for borrowers who are comfortable handling most of their mortgage process online. From prequalification to document uploads and status tracking, everything is built for speed and convenience. Buyers who prefer in-person meetings or small local offices may prefer a different style of lender, but for tech-savvy buyers, this setup is efficient and easy.

Personalized Pricing Instead of Public Rate Sheets
Zillow doesn’t post generic teaser rates. Instead, borrowers receive real quotes based on their credit, income, and goals. That means the numbers you see are tailored to you, not an unrealistic headline rate that only applies to a tiny percentage of borrowers.

“Zillow Home Loans is a strong option for buyers who want a modern, streamlined mortgage experience backed by one of the largest real estate platforms in the country.”

They offer:

• The most commonly used loan programs in today’s market

• Fast online prequalification with a soft credit pull

• Digital tools that make budgeting and affordability easier

• A simple, guided application process from start to finish

If you’re looking for a lender that combines competitive financing with smart technology and a straightforward process, Zillow Home Loans is worth exploring.

Click below to get matched with a Zillow Home Loans lender and see what loan options and pricing are available for you. It only takes a few minutes to get started, and there’s no obligation to move forward.