Direct Home Lending Mortgage Review 2023
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At a glance

5.0
Bankrate Score
Loans offered
Conventional, jumbo, FHA, VA, fixed-rate, adjustable-rate; rate-and-term, cash-out and streamline refinancing; investment property; reverse mortgages
Nationwide Availability
Available in Arizona, California, Colorado, Connecticut, Florida, Georgia, Oregon, Pennsylvania, South Carolina, Texas and Washington
Min. credit score required
620 for conventional loans; 680 for jumbo loans; 600 for FHA loans; 600 for VA loans
Pros and cons
Pros
- Only available in some states
- Doesn’t offer USDA loans
- Doesn’t offer home equity loans or home equity lines of credit (HELOCs)
Cons
- Doesn’t offer USDA loans
- Doesn’t offer home equity loans or home equity lines of credit (HELOCs)
- Only available regionally
Direct Home Lending overview
Direct Home Lending is good for
Borrowers in certain states looking for low-down payment loan options and online convenience<hr />
Breakdown of Direct Home Lending overall score
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Affordability: Direct Home Lending’s website offers an online quote tool outlining rates and fees for various loan terms. The rates are very competitive compared to Bankrate’s averages (provided you’re a well-qualified borrower).
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Availability: This lender works with borrowers in a limited number of states, so check before you apply.
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Borrower experience: You can initiate a request for a rate quote and apply for a mortgage via the Direct Home Lending website.
Methodology
To determine a mortgage lender’s Bankrate Score, Bankrate’s editorial team rates lenders on a scale of one to five stars based on a variety of factors relating to the lender’s products and services. Bankrate’s partners compensate us, but our opinions are our own, and partner relationships do not influence our reviews. Here is our full methodology.
Affordability: 5/5
You can see purchase or refinance rates and fees through Direct Home Lending’s online quote tool simply by filling out fields with the ZIP code of the property, the purchase price, down payment amount and your credit score range.
Availability: 5/5
Direct Home Lending isn’t available in all states; it currently operates in Arizona, California, Colorado, Connecticut, Florida, Georgia, Oregon, Pennsylvania, South Carolina, Texas and Washington. The lender offers conventional mortgages, jumbo loans and VA and FHA mortgages. It also offers loans on investment properties as well as reverse mortgages for older homeowners.
Borrower experience: 4.9/5
Direct Home Lending isn’t accredited by the Better Business Bureau, but has an A+ rating from the organization.
In the online application process with this lender, you can look through the details of each loan, including fees and points, apply directly and get conditionally approved within minutes. The lender offers 24-hour approvals and closes most loans within 30 days, and also advertises 14-day purchase closings.
Refinancing with Direct Home Lending
You can use Direct Home Lending’s online refinance quote tool to see rates and fees, or call or email the lender’s Fast Lending team, who can advise you on which mortgage refinancing program meets your needs.
Alternatives to Direct Home Lending
- Movement Mortgage review – Offers no-PMI loans
- Allied Mortgage Group review – Has flexible mortgage options like interest-only loans and loans for self-employed borrowers
- Optimum First Mortgage review – Can facilitate fast closings and offers a wide range of loan terms
Direct Home Lending consumer reviews

4.8
20 reviews
About consumer ratings
Customer service rating
95% of reviews would recommend this lender
0 of 0 rates honored
Review this lender
Write a review of your experience with Direct Home Lending.
Written by
Josephine Nesbit
Josephine Nesbit is a former contributor to Bankrate.