Homebridge Financial Services Mortgage Review 2022
The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for .
At a glance
Homebridge Financial Services
Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing; construction and renovation loans; investment property; non-QM; reverse mortgages
Available in all U.S. states except Utah
Min. credit score required
640 for conventional loans; 680-700 for jumbo loans; 580 for FHA loans; 580 for VA loans; 580 for USDA loans
Pros and cons
- Regional branches regularly produce educational events, ideal for first-time homebuyers
- Known for offering home renovation loans including Fannie Mae’s HomeStyle Renovation, construction-to-permanent and FHA 203(k)
- Must connect with a loan officer to apply
- Doesn’t display mortgage rates online
Homebridge Financial Services overview
Homebridge Financial Services is good for
Borrowers exploring a wide variety of loan types or seeking rewards and rebates with closing
Breakdown of Homebridge Financial Services overall score
Affordability: It won’t be easy to do an at-a-glance comparison of rates from Homebridge Financial Services with those of other lenders. Its lender fees typically total $1,225.
Availability: This lender is available in most states and offers a diverse set of loan programs, including non-QM products for borrowers with unique credit or financial circumstances.
Borrower experience: You can start the application online but most of the lending process happens offline.
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.
You won’t find mortgage rates from Homebridge Financial Services advertised on the lender’s website. To see rates and other information about how much a loan might cost, you’ll need to complete a form and wait for a loan officer to contact you. While the lender doesn’t charge an origination fee, its other fees typically total $1,225. There might also be a fee for rate-lock extensions, which could be partially refunded.
Homebridge Financial Services provides conventional loans as well as government-insured loans through the FHA, VA and USDA programs. There also are options to refinance your existing mortgage. The lender offers construction mortgages and loans on investment properties, as well. It operates in all states but Utah.
Borrower experience: 3.7/5
Homebridge Financial Services has been in business for more than 30 years. The lender has an “Excellent” rating on Trustpilot (4.8 out of five stars) and an A- from the Better Business Bureau.
Notably, the lender’s regional branches regularly host educational events, and it offers some useful online tools, including mortgage payment and rent versus own calculators, but doesn’t allow you to go through most of the lending process online. 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.
Refinancing with Homebridge Financial Services
Homebridge Financial Services offers refinancing to adjust the terms of your loan, lower your monthly payments or take equity out of your home. The lender doesn’t publish its refi rates or fees on its website, however. To get more information about the cost of refinancing, you’ll need to complete a form and wait for a loan officer’s response.
Alternatives to Homebridge Financial Services
Homebridge Financial Services consumer reviews
About consumer ratingsHover for more
No reviews yet
Be the first to write a review of your experience with Homebridge Financial Services.
TJ Porter is a contributing writer for Bankrate. TJ writes about a range of subjects, from budgeting tips to bank account reviews.