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Homebridge Financial Services Mortgage Review 2022

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At a glance

Homebridge Financial Services


Rating: 3.6 stars out of 5
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Bankrate Score

Mortgage Percent

Loans offered

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


Nationwide Availability

Available in all U.S. states except Utah

Credit Good

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

Checkmark Pros

  • 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)

Close X Cons

  • Must connect with a loan officer to apply
  • Doesn’t display mortgage rates online

Homebridge Financial Services overview

Homebridge Financial Services is one of the largest privately held non-bank lenders in the U.S. While the lender offers a variety of mortgage and refinancing options, it has carved out a reputation for servicing renovation mortgages; the U.S. Department of Housing and Urban Development (HUD) recognized the lender as the No. 1 lender in 203(k) renovation loans in 2019. The lender is committed to educating borrowers, and regional branches regularly offer educational events, including for first-time homebuyers. In addition, eligible borrowers can participate in the Homebridge Home Rewards program to receive a $595 gift card upon closing. Founded in 1989 as REMN, Homebridge Financial Services maintains its corporate headquarters in Iselin, New Jersey.

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.

Affordability: 3/5

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.

Availability: 4/5

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.

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Written by

TJ Porter

Contributing writer

TJ Porter is a contributing writer for Bankrate. TJ writes about a range of subjects, from budgeting tips to bank account reviews.

Edited by

Suzanne De Vita

Arrow Right

Mortgage editor