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Zillow Home Loans Reviews


bestfor-icon Nationally-known lender

Written by Bob Phillips

About Zillow | Read More


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Mon-Fri 5am-5pm PST
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  • support@Zillow.com
  • 888-466-3501
  • Headquarters: Brokerage Operations 1301 Second Ave., Floor 31 Seattle, WA 98101
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Zillow Mortgages Review

Zillow Group Inc, known as Zillow, is a Seattle-based real estate and mortgage loan marketplace company founded in 2006 by two former Microsoft executives. The company lists homes for sale and rent and provides home loans through Zillow Home Loans, LLC.

Zillow has a dedicated mortgage section on its website. In that section, Zillow provides mortgage rates from various lenders, including itself, a mortgage calculator for interested individuals to calculate mortgage payments, and a lender directory.

Zillow Mortgages Highlight


Min Credit Score


APR. Fixed Rate


Mortgage Amount

15/30 Years

Repayment terms


Soft Credit Pull


Lender Type


Underwriting Fee


Other Fees


Origination Fee


Prepayment Fee

30-40 Days

Funding Time



Pros & Cons

  • con-icon Competitive refinancing rates
  • con-icon Useful calculators
  • con-icon Reputable lender
  • con-icon Variety of refinancing options
  • con-icon Not available in all states
  • con-icon Origination fee of $1,500 to be paid

Mortgage Type

  • Mortgage Purchase
  • FHA
  • VA
  • Jumbo

Zillow Mortgages Terms & Requirements

Zillow is very transparent with its loan terms and requirements. They offer conventional, FHA, VA, and Jumbo loans, and their credit requirements are not overly stringent.  Their requirements meet the market’s standard requirements.

Applying to Zillow

The process of receiving debt relief assistance from Zillow begins online.

After creating your account or logging in, you will be asked for the following:

  • Your most recent month’s pay stub
  • Last year’s W-2 forms
  • Bank and investment account statements
  • A home purchase contract signed by you and the seller
  • Last two years of personal tax returns (two years of business returns if you own your own business)

After submitting this information, a Zillow sales representative will email or call you to schedule a free consultation by phone. You are given full details of Zillow’s rates, process, and fees at that time.

Qualification Requirements

Minimum credit score 620
Minimum debt-to-income ratio Less than 45%
Minimum annual income None
Minimum age of the borrower 18
Citizenship/residency U.S. and Canada

Required Information

  • Your most recent month’s pay stub.
  • Last year’s W-2 forms.
  • Bank and investment account statements.
  • A home purchase contract signed by you and the seller.
  • Last two years of personal tax returns (two years of business returns if you own your own business).

Application Steps & Time Frames

Zillow generally will approve a loan within 48 hours unless additional information is needed. Loans are typically funded in 30-40 days.

State Availability

- Available in all states

Written by Bob Phillips linkedin-icon twitter-icon

Having spent over fifteen years helping people plan their lives financially, Bob has a vast amount of knowledge concerning personal finance. During his career, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.



Does Zillow lend money directly or through other lenders?

Both. Zillow lends money directly through its lending arm, Zillow Home Loans, or other lenders it charges for advertising on its website.

Does Zillow have lending offices I can meet at?

Zillow does not have branch offices. Business is conducted online.

How long does it take to get approved by Zillow?

You can often get approved in two business days and close in 30-40 days.

Customer Support

If you have any issues whatsoever when it comes to Zillow Home Loans, you can either have a look at the FAQs on their website or contact a member of their customer experience team. The quickest option will often be to ring the team over the phone. Otherwise, you can use the email form and send detailed correspondence to the team this way. You will get plenty of support from the lender throughout the entire process.

Privacy & Security

Zillow Home Loans has a good reputation for being a legitimate provider of mortgage refinancing. As well as being an Equal Housing Lender, it has an A+ rating with the Better Business Bureau (BBB). The organization also has appropriate licenses in each of the states it operates in.

In Conclusion

Zillow is a nationally recognized company made famous for listing homes for sale and rent on its website and providing mortgages online. It is a good choice for people comfortable with getting a mortgage online.

Brand Disclaimer

©2020 Zillow Home Loans, LLC Zillow Home Loans, LLC is an Equal Housing Lender, NMLS ID#: 10287 www.nmlsconsumeraccess.org | This is not a commitment to lend. Not all applicants will be approved; subject to borrower and underwriting approval. Eligible Rural Housing areas and loan limits are determined by the United States Department of Agriculture. Program terms, rates and fees are subject to change without notice. Contact Zillow Home Loans for more information and for current rates. AK #Ak10287; AL #21014; AZ #0942065; AR #111469; CA Residential Mortgage Lending Act: #4130698; CO; CT #10287; DC # MLB10287; DE #011578; FL #MLD1689; GA #16183; ID #MBL-7446; IL #MB.6760621; IN 10875; IA #2010-0031; KS #MC.0001200; KY #MC23280; LA; MD #18568; MA #ML10287; MI FR0021840; MN #MN-MO-40205078; MS #10287; MO #18-1750; MT #10287; NE #135; NV #4078; NH #22029-MB; NM; NC #L-106943; ND # MB103363; OH #RM.850011.000; OK #ML012123; OR #ML-4993; PA #32124; RI #20112743LL; SC #10287; SD #ML.05249; TN #109281; TX – 123 Chisum Dr, Millsap, TX 76066; UT #7648806; VA #MC-1957; WA # CL-10287; WI 10287. NOT LICENSED IN THE STATE OF NEW YORK. ADVERTISEMENT NOT INTENDED FOR NEW YORK CONSUMERS.