{"id":556,"date":"2025-05-28T11:53:07","date_gmt":"2025-05-28T11:53:07","guid":{"rendered":"http:\/\/www.brightworksmanagement.com\/?p=556"},"modified":"2025-05-29T13:42:53","modified_gmt":"2025-05-29T13:42:53","slug":"6-best-home-mortgage-lenders-in-2025","status":"publish","type":"post","link":"http:\/\/www.brightworksmanagement.com\/index.php\/2025\/05\/28\/6-best-home-mortgage-lenders-in-2025\/","title":{"rendered":"6 Best Home Mortgage Lenders in 2025"},"content":{"rendered":"<p>A great mortgage lender provides you with plenty of options, including different types of mortgage loans and products. The right lender should also give you plenty of support throughout the process, have an easy application process, strong reviews, and competitive rates.&nbsp;<\/p>\n<p>Based on these factors, we\u2019ve selected six of the best mortgage lenders for homebuyers:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/rocket-mortgage-theclose-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Rocket Mortgage<\/a><\/strong>: Best online experience<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/guild-mortgage-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Guild Mortgage<\/a><\/strong>: Best home buying assistance programs<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/chase-mortgage\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Chase<\/a><\/strong>: Best for first-time homebuyers<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/better-mortgage-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Better Mortgage<\/a><\/strong>: Best for rate transparency<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/us-bank-mortgage-loans\" target=\"_blank\" rel=\"noopener sponsored nofollow\">U.S. Bank<\/a><\/strong>: Best lender for traditional banking<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/pennymac-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Pennymac<\/a><\/strong>: Largest variety of loan options<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"Best\">Best Home Mortgage Lenders of 2025 Compared<\/h2>\n<table id=\"tablepress-2725\" class=\"tablepress tablepress-id-2725 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\"><\/th>\n<th class=\"column-2\">Starting interest rates for 30-year fixed (May 2025)*<\/th>\n<th class=\"column-3\">Minimum credit score**<\/th>\n<th class=\"column-4\">Loan types offered<\/th>\n<th class=\"column-5\">Average Turn Time<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><img class=\"alignnone wp-image-113915 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Rocket Mortgage logo\" width=\"130\" height=\"37\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/Rocket-Mortgage-768x217-1.png\"><\/td>\n<td class=\"column-2\"><strong>Conventional:<\/strong> 7.125%<br \/>\n<strong>FHA:<\/strong> 6.375%<br \/>\n<strong>VA:<\/strong> 6.49%<\/td>\n<td class=\"column-3\">620<\/td>\n<td class=\"column-4\">\n<ul>\n<li>Conventional mortgage loans<\/li>\n<li>FHA loans<\/li>\n<li>VA loans<\/li>\n<li>Jumbo loans<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-5\">Closing typically takes 30-60 days<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td colspan=\"5\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/rocket-mortgage-theclose-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Visit Rocket Mortgage<\/a><\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td class=\"column-1\"><img class=\"alignnone wp-image-113916 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Guild Mortgage logo\" width=\"130\" height=\"67\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/Guild-Mortgage-768x396-1.png\"><\/td>\n<td class=\"column-2\">Does not provide interest rates<\/td>\n<td class=\"column-3\">620<\/td>\n<td class=\"column-4\">\n<ul>\n<li>Conventional loans<\/li>\n<li>FHA loans<\/li>\n<li>Second home mortgages<\/li>\n<li>VA loans<\/li>\n<li>USDA loans<\/li>\n<li>Jumbo loans<\/li>\n<li>Construction financing<\/li>\n<li>Specialty loans<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-5\">17-day closing guarantee<\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td colspan=\"5\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/guild-mortgage-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Visit Guild Mortgage<\/a><\/td>\n<\/tr>\n<tr class=\"row-6\">\n<td class=\"column-1\"><a href=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/chase-1.svg\"><img class=\"alignnone wp-image-113918 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"chase logo\" width=\"130\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/chase-1.svg\"><\/a><\/td>\n<td class=\"column-2\"><strong>Conventional:<\/strong> 6.75%<br \/>\n<strong>FHA:<\/strong> 7.125%<\/td>\n<td class=\"column-3\">620<\/td>\n<td class=\"column-4\">\n<ul>\n<li>Conventional conforming mortgage<\/li>\n<li>FHA<\/li>\n<li>VA loan<\/li>\n<li>Jumbo loan<\/li>\n<li>Investment property loans<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-5\">As little as three weeks with a closing guarantee (only eligible on some mortgage products)<\/td>\n<\/tr>\n<tr class=\"row-7\">\n<td colspan=\"5\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/chase-mortgage\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Visit Chase<\/a><\/td>\n<\/tr>\n<tr class=\"row-8\">\n<td class=\"column-1\"><img class=\"alignnone wp-image-113917 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Better Mortgage logo\" width=\"130\" height=\"34\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/Better-Mortgage.png\"><\/td>\n<td class=\"column-2\"><strong>Conventional:<\/strong> 6.625%<br \/>\n<strong>FHA:<\/strong> 6.125%<br \/>\n<strong>VA:<\/strong> 6.5%<\/td>\n<td class=\"column-3\">620<\/td>\n<td class=\"column-4\">\n<ul>\n<li>Conventional loans<\/li>\n<li>FHA loans<\/li>\n<li>VA loans<\/li>\n<li>Jumbo loans<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-5\">Average turn time is 42 days<\/td>\n<\/tr>\n<tr class=\"row-9\">\n<td colspan=\"5\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/better-mortgage-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Visit Better Mortgage<\/a><\/td>\n<\/tr>\n<tr class=\"row-10\">\n<td class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-113588 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"us bank logo\" width=\"130\" height=\"35\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/us-bank-768x208-1.jpg\"><\/td>\n<td class=\"column-2\"><strong>Conventional:<\/strong> 6.75%<br \/>\n<strong>FHA:<\/strong> 6.625%<br \/>\n<strong>VA:<\/strong> 6.5%<\/td>\n<td class=\"column-3\">620<\/td>\n<td class=\"column-4\">\n<ul>\n<li>Conventional fixed-rate loans<\/li>\n<li>FHA loans<\/li>\n<li>VA loans<\/li>\n<li>Jumbo loans<\/li>\n<li>Investment property loans<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-5\">Underwriting can take anywhere from a few days to a few weeks<\/td>\n<\/tr>\n<tr class=\"row-11\">\n<td colspan=\"5\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/us-bank-mortgage-loans\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Visit U.S. Bank<\/a><\/td>\n<\/tr>\n<tr class=\"row-12\">\n<td class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-113687 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Pennymac logo\" width=\"130\" height=\"13\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/Pennymac-768x78.png\"><\/td>\n<td class=\"column-2\"><strong>Conventional:<\/strong> 6.9%<br \/>\n<strong>FHA:<\/strong> 6%<br \/>\n<strong>VA:<\/strong> 6.125%<\/td>\n<td class=\"column-3\">620<\/td>\n<td class=\"column-4\">\n<ul>\n<li>Conventional mortgages<\/li>\n<li>FHA loans<\/li>\n<li>VA loans<\/li>\n<li>Jumbo loans<\/li>\n<li>USDA loans<\/li>\n<li>Investment property loans<\/li>\n<li>Construction loans<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-5\">Average turn time is 30 days<\/td>\n<\/tr>\n<tr class=\"row-13\">\n<td colspan=\"5\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/pennymac-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Visit Pennymac<\/a><\/td>\n<\/tr>\n<tr class=\"row-14\">\n<td colspan=\"5\" class=\"column-1\"><em>*Rates can change on a daily basis. Check with the provider for the latest rates.<\/em><br \/>\n<em>**Minimum credit score requirement varies per loan program. Indicated requirements are for conventional 30-year fixed loans. Check with the provider for the requirements of other programs.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2725 from cache --><\/p>\n<h2 class=\"wp-block-heading\" id=\"Rocket\">Rocket Mortgage: Best online experience<\/h2>\n<table id=\"tablepress-2726\" class=\"tablepress tablepress-id-2726 best tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-113915 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Rocket Mortgage logo\" width=\"200\" height=\"56\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/Rocket-Mortgage-768x217-1.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros:\u00a0<\/strong><\/p>\n<ul>\n<li>Rent rewards (Get 10% of your rent payments towards a home purchase)<\/li>\n<li>Down payment assistance<\/li>\n<li>Transparent rates and fees<\/li>\n<li>Live chat and phone number for support<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons:\u00a0<\/strong><\/p>\n<ul>\n<li>Doesn\u2019t offer construction loans or USDA loans<\/li>\n<li>No in-person branches to visit<\/li>\n<li>May include origination and loan fees<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\"><strong>30-year fixed mortgage terms:\u00a0<\/strong><\/p>\n<ul>\n<li><strong>Down payment:<\/strong> 3%<\/li>\n<li><strong>Minimum credit score:<\/strong> 620<\/li>\n<li><strong>Estimated starting interest rates:<\/strong> 7.125%<\/li>\n<li>DTI less than 50%<\/li>\n<li>Fixed and adjustable-rate options<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Mortgage types offered:<\/strong><\/p>\n<ul>\n<li>Conventional mortgage loans<\/li>\n<li>FHA loans<\/li>\n<li>VA loans<\/li>\n<li>Jumbo loans<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td colspan=\"2\" class=\"column-1\"><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/rocket-mortgage-theclose-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Visit Rocket Mortgage<\/a><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2726 from cache --><\/p>\n<h3 class=\"wp-block-heading\">Why we like Rocket Mortgage<\/h3>\n<p>Rocket Mortgage is a popular online lender with multiple mortgage options, including programs for first-time homebuyers like \u201cOne+\u201d and \u201cHome Ready &amp; Home Possible.\u201d It offers a seamless online experience, with interactive calculators, housing trend charts, detailed articles to answer common questions, a live chat, and a fast and easy application process. You can also easily view the interest and APR rates for each different type of loan they have and read details about the terms of each mortgage loan.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"1080\" height=\"539\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Housing trend charts \" class=\"wp-image-113928 lazyload\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/RocketMortgage-housingtrends.png\"><figcaption class=\"wp-element-caption\">Housing trend charts (Source: Rocket Mortgage)<\/figcaption><\/figure>\n<\/div>\n<h2 class=\"wp-block-heading\" id=\"Guild\">Guild Mortgage: Best homebuying assistance programs<\/h2>\n<table id=\"tablepress-2727\" class=\"tablepress tablepress-id-2727 best tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-113916 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Guild Mortgage logo\" width=\"200\" height=\"103\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/Guild-Mortgage-768x396-1.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros:\u00a0<\/strong><\/p>\n<ul>\n<li>Interactive calculators and online support<\/li>\n<li>Flexible credit requirements<\/li>\n<li>$500 closing guarantee<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons:\u00a0<\/strong><\/p>\n<ul>\n<li>Doesn\u2019t provide interest rates until after you apply online<\/li>\n<li>Credit scores under 580 typically require a minimum 10% down payment<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\"><strong>FHA mortgage terms:\u00a0<\/strong><\/p>\n<ul>\n<li><strong>Down payment:<\/strong> 3.5% but some loan programs offer 100% financing<\/li>\n<li><strong>Minimum credit score:<\/strong> 540 for FHA loans, 620 for most other loan types<\/li>\n<li>Fixed and adjustable-rate options<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Mortgage types offered:<\/strong><\/p>\n<ul>\n<li>Conventional loans<\/li>\n<li>FHA loans<\/li>\n<li>Second home mortgages<\/li>\n<li>VA loans<\/li>\n<li>USDA loans<\/li>\n<li>Jumbo loans<\/li>\n<li>Construction financing<\/li>\n<li>Specialty loans<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td colspan=\"2\" class=\"column-1\"><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/guild-mortgage-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Visit Guild Mortgage<\/a><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2727 from cache --><\/p>\n<h3 class=\"wp-block-heading\">Why we like Guild Mortgage<\/h3>\n<p>Guild Mortgage is an online lender that offers the largest variety of homebuying assistance programs. In addition to the huge variety of mortgage types and homebuying assistance programs, it also offers four layers of homebuyer protection with every mortgage. This includes a 17-day closing guarantee, credit approval cap (CAP), a 120-day interest rate lock, and a payment protection program. If you need a boost to be able to purchase a home, Guild Mortgage is the obvious choice.<\/p>\n<p>Guild Mortgage\u2019s homebuying assistance programs include:&nbsp;<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>1% down<\/strong>: Qualified homebuyers can buy a home with only 1% down and 2% of Guild Assistance.<\/li>\n<li><strong>3-2-1 Home Plus<\/strong>: This program gives low-income homebuyers up to $2,500 toward closing and $2,000 toward Home Depot.<\/li>\n<li><strong>Down payment assistance programs<\/strong>: Guild offers over 500 different programs across the country to help first-time homebuyers.<\/li>\n<li><strong>MyPath2Own<\/strong>: Combines a personalized homeownership plan, homebuyer education, and assistance up to $4,000<\/li>\n<li><strong>ZeroDown<\/strong>: Provides the option to buy a home with a $0 down payment for qualified buyers<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"Chase\">Chase: Best for first-time homebuyers<\/h2>\n<table id=\"tablepress-2728\" class=\"tablepress tablepress-id-2728 best tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><a href=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/chase-1.svg\"><img class=\"alignnone wp-image-113918 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"chase logo\" width=\"200\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/chase-1.svg\"><\/a><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros:\u00a0<\/strong><\/p>\n<ul>\n<li>Chase branches in all 50 states<\/li>\n<li>Low down payment options with the\u00a0 DreaMaker mortgage<\/li>\n<li>Homebuyer grant up to $5,000<\/li>\n<li>$5,000 closing guarantee<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons:\u00a0<\/strong><\/p>\n<ul>\n<li>Grant availability can be limited<\/li>\n<li>Limited online platform<\/li>\n<li>Doesn\u2019t offer USDA loans or construction loans<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\"><strong>Conventional mortgage terms:\u00a0<\/strong><\/p>\n<ul>\n<li><strong>Down payment:<\/strong> Between 3-20%<\/li>\n<li><strong>Minimum credit score:<\/strong> 620<\/li>\n<li><strong>Estimated starting interest rates:<\/strong> Starting at 6.75%<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Mortgage types offered:<\/strong><\/p>\n<ul>\n<li>Conventional conforming mortgage<\/li>\n<li>FHA<\/li>\n<li>VA loan<\/li>\n<li>Jumbo loan<\/li>\n<li>Investment property loans<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td colspan=\"2\" class=\"column-1\"><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/chase-mortgage\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Visit Chase<\/a><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2728 from cache --><\/p>\n<h3 class=\"wp-block-heading\">Why we like Chase<\/h3>\n<p>Chase is a nationally recognized bank with great mortgage options for first-time buyers. It offers a few of the most common types of mortgages, along with a first-time homebuying mortgage program called the \u201cDreaMaker.\u201d This program offers a lower down payment, plus the possibility of a $2,500-$5,000 grant from Chase.&nbsp;<\/p>\n<p>Another reason that it is one of the best home mortgage lenders for first-time home buyers is its local support. Chase has in-person branches in every state, and you\u2019ll work one-on-one with mortgage professionals throughout the process.<\/p>\n<h2 class=\"wp-block-heading\" id=\"Better\">Better Mortgage: Best for rate transparency<\/h2>\n<table id=\"tablepress-2729\" class=\"tablepress tablepress-id-2729 best tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-113917 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Better Mortgage logo\" width=\"200\" height=\"53\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/Better-Mortgage.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros:\u00a0<\/strong><\/p>\n<ul>\n<li>Great online platform<\/li>\n<li>Interactive calculators<\/li>\n<li>Fast application and approval<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons:\u00a0<\/strong><\/p>\n<ul>\n<li>The fully digital process may not offer enough support<\/li>\n<li>Initial approvals may differ from final approvals<\/li>\n<li>Mixed online reviews<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\"><strong>Conventional 30-year fixed terms: <\/strong><\/p>\n<ul>\n<li><strong>Down payment:<\/strong> 3%<\/li>\n<li><strong>Minimum credit score:<\/strong> 620<\/li>\n<li><strong>Estimated starting interest rates:<\/strong> 6.5%<\/li>\n<li>Fixed and adjustable-rate options<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Mortgage types offered:<\/strong><\/p>\n<ul>\n<li>Conventional loans<\/li>\n<li>FHA loans<\/li>\n<li>VA loans<\/li>\n<li>Jumbo loans<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td colspan=\"2\" class=\"column-1\"><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/better-mortgage-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Visit Better Mortgage<\/a><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2729 from cache --><\/p>\n<h3 class=\"wp-block-heading\">Why we like Better Mortgage<\/h3>\n<p>Better Mortgage is a top-ranked mortgage lender that uniquely offers an AI-powered mortgage application and approval process. Applying for a mortgage takes three minutes, and there\u2019s no hard credit check.&nbsp;<\/p>\n<p>On top of that, it provides its interest and APR rates for every type of mortgage being offered at all times. Its rates page is updated daily, and rates are customized by zip code. There are also a variety of interactive online calculators to help you calculate your mortgage payment and the cost of renting vs. buying.&nbsp;<\/p>\n<p>Overall, Better Mortgage offers the most rate transparency and the simplest application process. If you want to quickly and easily see what your interest rates could be, Better Mortgage should be your first choice.<\/p>\n<h2 class=\"wp-block-heading\" id=\"usbank\">U.S. Bank: Best lender for traditional banking<\/h2>\n<table id=\"tablepress-2730\" class=\"tablepress tablepress-id-2730 best tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-113588 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"us bank logo\" width=\"200\" height=\"54\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/us-bank-768x208-1.jpg\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros:\u00a0<\/strong><\/p>\n<ul>\n<li>Quick and easy prequalification process<\/li>\n<li>Homebuyer assistance programs<\/li>\n<li>Monthly payment calculator<\/li>\n<li>Personalized support<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons:\u00a0<\/strong><\/p>\n<ul>\n<li>Homebuyer assistance programs have limited availability<\/li>\n<li>Limited online platform<\/li>\n<li>Only available in 26 states<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\"><strong>Conventional fixed-rate terms:\u00a0<\/strong><\/p>\n<ul>\n<li><strong>Down payment:<\/strong> 3% or more<\/li>\n<li><strong>Minimum credit score:<\/strong> 620<\/li>\n<li><strong>Estimated starting interest rates:<\/strong> Starting at 6.625%<\/li>\n<li>Fixed and adjustable-rate options<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Mortgage types offered:<\/strong><\/p>\n<ul>\n<li>Conventional mortgage loans<\/li>\n<li>FHA loans<\/li>\n<li>VA loans<\/li>\n<li>Jumbo loans<\/li>\n<li>Investment property loans<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td colspan=\"2\" class=\"column-1\"><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/us-bank-mortgage-loans\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Visit U.S. Bank<\/a><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2730 from cache --><\/p>\n<h3 class=\"wp-block-heading\">Why we like U.S. Bank<\/h3>\n<p>If you\u2019re looking for the best mortgage lenders with in-person support, U.S. Bank should be at the top of your list. While the prequalification process is done online and takes only five minutes, the rest of the lending process is done one-on-one with your mortgage officer. While communication may happen online, you\u2019ll have unrivaled personal support with U.S. Bank.<\/p>\n<p>U.S. Bank offers many types of loans, including first-time homebuyer assistance programs like the \u201cAmerican Dream Loan\u201d and \u201cAccess Home Loan.\u201d On the other hand, it also offers loans for real estate investors. Whether you\u2019re looking to buy your first home or your hundredth, U.S. Bank is the best choice for in-person support.<\/p>\n<h2 class=\"wp-block-heading\" id=\"Pennymac\">Pennymac: Largest variety of loan options<\/h2>\n<table id=\"tablepress-2731\" class=\"tablepress tablepress-id-2731 best tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-113687 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Pennymac logo\" width=\"250\" height=\"25\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/Pennymac-768x78.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros:\u00a0<\/strong><\/p>\n<ul>\n<li>Variety of home loan incentives<\/li>\n<li>Extensive support and homebuyer education<\/li>\n<li>Available in every U.S. state<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons:\u00a0<\/strong><\/p>\n<ul>\n<li>May not have the lowest interest rates<\/li>\n<li>Limited in-person support<\/li>\n<li>Mixed reviews about customer service<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\"><strong>Conventional fixed-rate terms:\u00a0<\/strong><br \/>\n<strong>Conventional 30-year fixed terms:\u00a0<\/strong><\/p>\n<ul>\n<li><strong>Down payment:<\/strong> 3% or more<\/li>\n<li><strong>Minimum credit score:<\/strong> 620<\/li>\n<li><strong>Estimated starting interest rates:<\/strong> Starting at 6.9%<\/li>\n<li>Fixed and adjustable-rate options<\/li>\n<li>10-30 year flexible terms<\/li>\n<li>DTI less than 45%<\/li>\n<li>Must have 2 months of cash reserves<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Mortgage types offered:<\/strong><\/p>\n<ul>\n<li>Conventional mortgages<\/li>\n<li>FHA loans<\/li>\n<li>VA loans<\/li>\n<li>Jumbo loans<\/li>\n<li>USDA loans<\/li>\n<li>Investment property loans<\/li>\n<li>Construction loans<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td colspan=\"2\" class=\"column-1\"><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/pennymac-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Visit Pennymac<\/a><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2731 from cache --><\/p>\n<h3 class=\"wp-block-heading\">Why we like Pennymac<\/h3>\n<p>Pennymac is an online home loan aggregator, which means that it connects homebuyers to a variety of potential lenders for a variety of different mortgage types. This makes it the best choice for those who want access to the widest variety of loans and lenders to ensure they get the best option for their needs. Besides that, it offers multiple incentives for using its platform, like 1% off your interest rate for a year, a $1,000 bonus at closing, and even up to $9,500 when you find a real estate agent through Pennymac.<\/p>\n<h2 class=\"wp-block-heading\" id=\"choose\">How to choose the right mortgage lender for you<\/h2>\n<p>There are an unlimited number of home mortgage lenders, which can make it challenging to find the right one. There are a few important factors you should consider to find the best fit for your needs. Here\u2019s what you should consider as you evaluate your options:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Your finances and qualifications<\/strong>: Objectively look at your income, savings, credit score, and credit history. Based on this information, you may determine that you need homebuyer assistance, reduced closing costs, or a program for low credit scores.<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Interest rates &amp; fees<\/strong>: The fees for your mortgage are incredibly important, so you should determine the interest rate, APR, closing costs, and private mortgage insurance (PMI, a type of insurance required when buyers put down less than 20%) of each mortgage provider.<\/li>\n<li><strong>Types of mortgage loans<\/strong>: Conventional and FHA mortgage loans are the most common, but many of the top-ranked mortgage lenders have additional programs for specific types of buyers. Make sure to check out all of the mortgage programs from each lender, because this might illuminate the perfect product for your needs.<\/li>\n<li><strong>Support options<\/strong>: The best lenders for home loans will have plenty of support options, including interactive calculators, detailed articles, live chat, and a contact phone number. Make sure that the lender you choose offers multiple ways to get support throughout the process.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"Methodology\">Methodology: How we evaluated the best mortgage lenders<\/h2>\n<p>At The Close, our<a href=\"https:\/\/theclose.com\/methodology\/\"> methodology<\/a> is to provide real estate professionals with accurate and objective information on every topic. To help you find the right home loan mortgage lender for your needs, our team of real estate professionals, researchers, writers, agents, and investors did thorough research.&nbsp;<\/p>\n<p>Our criteria for evaluating the best mortgage lenders include:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Pre-approval process<\/strong>: We searched for home lenders with a simple, easy-to-follow online application process and prioritized those that didn\u2019t affect your credit.<\/li>\n<li><strong>Product variety<\/strong>: We selected lenders that offer multiple types of mortgages, like conventional, FHA, VA, and jumbo loans.<\/li>\n<li><strong>Technology and ease of use<\/strong>: Since our audience is all over the U.S., we prioritized home mortgage lenders with a strong online platform to make it easy for buyers to understand their loan options and apply for a mortgage.<\/li>\n<li><strong>Customer service and support<\/strong>: Buying a home is a huge financial commitment, so we heavily considered each lender\u2019s support options. The best lenders for home loans should make the process simple and easy to understand.<\/li>\n<li><strong>Rates and fees<\/strong>: We considered the interest rates and fees of each lender, prioritizing those with transparent rates for each type of mortgage.<\/li>\n<li><strong>Reputation and reviews<\/strong>: We only chose mortgage lenders who have a strong reputation in the real estate industry and thousands of strong online reviews.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"FAQs\">Frequently asked questions (FAQs)<\/h2>\n<div class=\"d-flex justify-content-between align-items-center cursor-pointer pe-24 close-accordion-heading collapsed\">\n<h3 id=\"how-do-i-get-preapproved-for-a-home-loan\" class=\"my-40\">How do I get preapproved for a home loan?<br \/>\n\t\t\t\t<\/h3>\n<p><img alt=\"expand\/collapse\" class=\"ms-24 w-16 flex-shrink-0 rotate-180 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/theclose.com\/wp-content\/themes\/theclose\/assets\/images\/icons\/chevron-down.svg\"><\/div>\n<div id=\"how-do-i-get-preapproved-for-a-home-loan-content\" class=\"close-accordion-content collapsed mb-40\">\n<p>To get preapproved for a home loan, you have to choose a home mortgage lender. You\u2019ll need financial and identity documents to validate your income, debt, and credit, such as pay stubs or W2s, tax returns, and bank statements. After your chosen lender evaluates all of this information, they will give you a preapproval letter with your maximum loan amount.<\/p>\n<\/div>\n<hr class=\"my-0\" \/>\n<div class=\"d-flex justify-content-between align-items-center cursor-pointer pe-24 close-accordion-heading collapsed\">\n<h3 id=\"what-is-the-best-bank-to-get-a-mortgage-from\" class=\"my-40\">What is the best bank to get a mortgage from?<br \/>\n\t\t\t\t<\/h3>\n<p><img alt=\"expand\/collapse\" class=\"ms-24 w-16 flex-shrink-0 rotate-180 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/theclose.com\/wp-content\/themes\/theclose\/assets\/images\/icons\/chevron-down.svg\"><\/div>\n<div id=\"what-is-the-best-bank-to-get-a-mortgage-from-content\" class=\"close-accordion-content collapsed mb-40\">\n<p>We\u2019ve chosen Chase and U.S. Bank as two of the best banks to get a mortgage from, based on specific criteria like their mortgage products, ease of use, and customer service.<\/p>\n<\/div>\n<hr class=\"my-0\" \/>\n<div class=\"d-flex justify-content-between align-items-center cursor-pointer pe-24 close-accordion-heading collapsed\">\n<h3 id=\"whats-the-difference-between-a-broker-and-a-lender\" class=\"my-40\">What\u2019s the difference between a broker and a lender?<br \/>\n\t\t\t\t<\/h3>\n<p><img alt=\"expand\/collapse\" class=\"ms-24 w-16 flex-shrink-0 rotate-180 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/theclose.com\/wp-content\/themes\/theclose\/assets\/images\/icons\/chevron-down.svg\"><\/div>\n<div id=\"whats-the-difference-between-a-broker-and-a-lender-content\" class=\"close-accordion-content collapsed mb-40\">\n<p>A mortgage lender is a company that supplies you with the funds to buy a home, while a broker is a mortgage professional who can help you find the best lender and help you through the process.<\/p>\n<\/div>\n<hr class=\"my-0\" \/>\n<p>The post <a href=\"https:\/\/theclose.com\/best-home-mortgage-lenders\/\">6 Best Home Mortgage Lenders in 2025<\/a> appeared first on <a href=\"https:\/\/theclose.com\">The Close<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A great mortgage lender provides you with plenty of options, including different types of mortgage loans and products. The right lender should also give you plenty of support throughout the process, have an easy application process, strong reviews, and competitive&#8230; <\/p>\n","protected":false},"author":1,"featured_media":558,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[12],"tags":[],"_links":{"self":[{"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/posts\/556"}],"collection":[{"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/comments?post=556"}],"version-history":[{"count":2,"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/posts\/556\/revisions"}],"predecessor-version":[{"id":564,"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/posts\/556\/revisions\/564"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/media\/558"}],"wp:attachment":[{"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/media?parent=556"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/categories?post=556"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/tags?post=556"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}