HomeLend Mortgage Review 2022
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At a glance

NMLS: 138075
State License: MC-5650
4.1
Bankrate Score
Loans offered
Conventional, jumbo, FHA, VA, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancingNationwide availability
Available in California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Massachusetts, Michigan, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia and WashingtonMin. credit score required
Minimum credit score requirements unavailablePros and cons
Pros
- No lender fees
- Preapprovals in 15 minutes
- A+ rating from the Better Business Bureau and exceptional reviews from past customers
Cons
- Only available in 23 states
- Doesn’t display rates online (must share personal info for a custom rate quote)
- No USDA loans or home equity products
HomeLend Mortgage overview
HomeLend Mortgage is the consumer direct company owned by New Jersey-based Kwik Mortgage. The lender has helped more than 10,000 borrowers with more than $4 billion in mortgages since its founding in 1998. HomeLend Mortgage specializes in offering an entirely digital experience, with an online portal borrowers can use to track their applications, e-sign and more.
Good for
Borrowers who want a completely digital mortgage experience and a fast closing process
Loan types
- Conventional
- Jumbo
- FHA
- VA
- Fixed-rate
- Adjustable-rate
- Rate-and-term and cash-out refinancing
Lender fees
HomeLend Mortgage doesn’t charge any lender fees.
Rates
HomeLend Mortgage doesn’t publicly display its rates online. However, you can complete a custom rate quote form with information about your credit score, employment status and other factors to get a personalized estimate of your borrowing costs.
Reputation
HomeLend’s parent company, Kwik Mortgage, is accredited by the Better Business Bureau and has an A+ rating. HomeLend also ranks highly (4.8 stars out of five) based on past customer reviews submitted to Bankrate.
Online services
You can submit a request for a custom rate quote on HomeLend’s website to get an estimate of your mortgage costs, and you can apply for your loan online, too. Preapprovals are typically issued in 15 minutes. You can lock your rate, sync your bank accounts, upload documents and sign them electronically via the lender’s portal, as well. There’s also a calculator to help estimate your monthly payments.
Minimum borrower requirements
HomeLend Mortgage adheres to the conforming loan requirements for mortgages approved by government-sponsored enterprises Fannie Mae and Freddie Mac. For conventional loans, these key requirements include good credit (typically a FICO score of 620 or higher) and a minimum down payment of 3 percent. However, anything less than 20 percent down will trigger a requirement for the borrower to pay for private mortgage insurance. The company also offers FHA loans, which typically accept lower credit scores, along with VA loans, which also have more lenient borrower requirements.
Refinancing with HomeLend Mortgage
You can refinance your current mortgage with HomeLend through a rate-and-term refinance, or you can tap your home’s equity with a cash-out refinance. The lender’s website doesn’t offer much information about refinancing options, but you can get a custom rate quote. There are no lender fees for refinancing.
Not sure if HomeLend Mortgage is right for you? Consider these alternatives
- Direct Home Lending: Also offers a digital experience and fast closing timelines, but not available in as many states
- Lower: Another online-only lender with wider availability, but charges lender fees
- Better.com: Digital experience with fast turnaround times and no lender fees
- eClick Lending: Convenient online experience (although some human interaction is required) with speedy closings
- Interfirst Mortgage Company: Another online-only lender that doesn’t charge fees
Breakdown of HomeLend Mortgage overall review score
- Affordability: 3/5
- Availability: 5/5
- Borrower experience: 4.3/5
Review 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.
HomeLend Mortgage consumer reviews
4.8
112 reviews
Customer service rating
97% of reviews would recommend this lender
10 of 10 rates honored
Review this lender
Write a review of your experience with HomeLend Mortgage.
10 of 45 reviews
The consumer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.
To help serve you with relevant information the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.
Exceptional rates
Vinay | Massachusetts | 8/14/2021
After comparing about 20 different loan estimates, we picked Homelend for their rate with zero loan cost offer. No one else could match their offer..period! Always check APR and loan costs when comparing loan estimates. I can only assume they have razor think margins and they pass on the savings to ...
Refinance was so easy
Closed in 3 weeks | Sacramento, CA | 8/14/2021
So happy we used Homelend and would highly recommend them to all. Pierre Decosta was great about getting us going and then the process took a life of its own and progressed very smoothly. The portal where we uploaded our information was always available and we could chart our progress through the re...
Process went smoothly and fairly quickly
Happy customer | Washington state | 8/14/2021
I am happy with the process and outcome of my mortgage application with HomeLend. Their rates were very good (low) and the communication was good. I always knew what I needed to do and what the status of my process was. I received my refinance in a timely manner and it was what I expected.
Pierre was the very helpful and knowledgeable. my husband and I highly recommend homelend
Seattle family | Seattle | 8/14/2021
We had a not so straight forward situation during our refi. Our local lender's underwriter did not wanna take our case but homelend was willing to do so. Everything went very smoothly and fast. Pierre was very helpful and knowledgeable. We will highly recommend homelend to anyone who would like a go...
Great experience
Great experience | Spokane, Washington | 8/15/2021
Very happy with Home Lend. I did a refinance with them and had a great experience. I was nervous about doing an online company and it was very smooth. I was able to text Pierre with questions and he was very responsive and answered all my questions.
Best rate, great service
Katsnovak | Virginia | 8/18/2021
We worked with Eric May, who was always at the other end of the email, and always ready with alternative solutions when things went wrong (eg our house was appraised at $50K lower than we expected.) Made the horrible experience as smooth as he could, and we ended up with a very good mortgage. A plea...
Great Experience
Great Experience! | California | 9/2/2021
Ryan Murray handled my refinance, and did everything he could to get me a great rate, in a short amount of time, with as little inconvenience as possible. I highly recommend this company and Ryan Murray.
Great mortgage company with great rates
Bhaskar | Groton MA | 9/2/2021
Last week I had closing with HomeLend Mortgage. The guys are professionals and I got very decent rate on my 15 Years. They are very fast, reliable and Trustworthy. I would recommend strongly about HomeLend Mortgage
Great experience
Great service and rate | Shrewsbury,MA | 9/7/2021
Easiest refinance experience, one of the best services, and best rates. --Raj
It truly was very easy to refinance with Homelend and they were extremely competitive with their rates
Jeff | San Diego | 9/10/2021
I had a great experience refinancing with Homelend. It was an efficient, quick and easy process. The people I worked with were professional, friendly, and considerate to my needs. Rates were some of the best I could find, fees were very low and part of that competitive package. There were no sur...