Homebridge Financial Services Mortgage Review 2026

Homebridge Financial Services overview

Homebridge Financial Services is a national wholesale lender that offers a variety of mortgage and refinancing options, with a special focus on renovation loans. Homebridge divisions include Homebridge HELOC, Homebridge Wholesale and REMN Wholesale. While Homebridge HELOC offers direct-to-consumer home equity loans, Homebridge's mortgage loans are only available through brokers and lenders. The company sold its retail mortgage division, along with all of its branches, to CMG Mortgage in 2023.

Pros and cons of Homebridge Financial Services

How Bankrate scored Homebridge Financial Services

Affordability: 3.3 stars

The lack of rate transparency was offset by moderate fees, resulting in an affordability score of 3.3 out of 5 stars.

• Interest rates: Homebridge Financial Services doesn't disclose its mortgage rates, so it's hard to tell how its rates compare to Bankrate's national average mortgage rates.
• Down payment: The lender offers plenty of low- and no-down-payment options, including conventional loans with 3% down, FHA loans with 3.5% down and VA and USDA loans with no money down. 
• Fees: While the lender doesn’t charge an origination fee, there might be a fee for rate-lock extensions, which could be partially refunded in some cases.
• Closing costs: To learn more about your closing costs, you'll have to contact the lender or review your loan estimate. Typically, these expenses run between 2% and 5% of the loan amount.

Availability: 4.9 stars

Because of its broad product line and extensive geographic reach, Homebridge scored 4.9 out of 5 stars for availability.

• Home loans offered: Homebridge Financial Services provides conventional loans as well as government-backed loans through the FHA, VA and USDA programs. It also offers options to refinance your existing mortgage, plus construction and renovation mortgages and loans on investment properties.
• Footprint: The lender operates in all U.S. states except Utah.
• Where to find: To get a mortgage through Homebridge Financial, you'll work with a partner broker or loan officer to apply for the best mortgage for your needs. 

Borrower experience: 3.8 stars

The lender's borrower experience has upsides and downsides — notably a lack of convenience — leading to a score of 3.8 out of 5 stars.

• Application and preapproval process: To get started, you’ll need to fill out a form on the lender’s website detailing the type of loan you want and the home you’re looking to buy or refinance. A loan officer will then reach out to you to follow up — there’s no way to get a preapproval or apply for a loan online. The lender offers some useful online tools, including mortgage payment and rent vs. own calculators, but doesn’t allow you to go through most of the lending process online.
• Transparency: You won’t find mortgage rates from Homebridge Financial Services advertised on its website. To see rates, you’ll need to complete a form and wait for a loan officer to contact you.
• Customer service: Homebridge doesn't have as many contact methods as other lenders; you can contact the company by phone at 888-266-4930.

Homebridge Financial Services reputation

Homebridge Financial Services has been in business for more than 30 years. The lender has an “excellent” rating on Trustpilot — 4.7 out of 5 stars, with more than 3,000 reviews as of this writing — and a B- from the Better Business Bureau.