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Homeside Financial Mortgage Review 2023

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At a glance

Homeside Financial


Rating: 4.2 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, cash-out and streamline refinancing; home equity line of credit (HELOC); construction and renovation loans


Nationwide Availability

Available in 42 states and Washington, D.C. (not available in Alaska, Hawaii, Nevada, New York, Rhode Island, South Dakota, Vermont or Wyoming)

Credit Good

Min. credit score required

640 for conventional loans; 640 for FHA loans; 640 for VA loans

Pros and cons

Checkmark Pros

  • A strong focus on customer service
  • Large variety of loans offered
  • Available in most of the U.S.

Close X Cons

  • No home equity loans (second mortgages)

Homeside Financial overview

Based in Columbia, Maryland, Homeside Financial is a mortgage lender that has quickly expanded since its founding to now offer loans in the majority of states. The loan process with this lender, which is a DBA (“doing business as”) of Lower, LLC, starts with a conversation with a loan officer who will help you determine the right mortgage option for your situation and submit an application online. The loan process typically takes about one month from start to finish with this lender.

Homeside Financial is good for

Borrowers who want convenient customer service and lots of resources to learn about mortgages

Breakdown of Homeside Financial overall score

  • Affordability: Homeside Financial’s rates aren’t as competitive as those of other lenders. You’ll need to speak with a loan officer to learn what you might qualify for.
  • Availability: This lender provides mortgages to borrowers in most states in the U.S., and in addition to conventional and government-insured loans, you’ll have access to construction or home improvement financing.
  • Borrower experience: Homeside Financial is an experienced lender with high ratings from customers. You’ll be paired with a loan officer who can help you explore the right options for your situation.


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: 4/5

Homeside Financial doesn’t display mortgage rates on its website (you can, however, find rates on the website). Generally, its rates are somewhat above Bankrate’s averages.

Availability: 4.3/5

Homeside Financial offers borrowers in most states the standard suite of loan products, including conventional, FHA, VA and USDA loans. This range might mean you have more options if you don’t qualify for a conventional mortgage. The lender can also help with financing if you’re planning to build or renovate a home. Its borrower requirements include a minimum 640 score.

Borrower experience: 4.6/5

Homeside Financial has closed more than 89,000 mortgages worth more than $20 billion. The lender isn’t accredited by the Better Business Bureau, but has an A+ rating from the organization.

Homeside Financial’s approach to the borrowing experience focuses on the partnership between the borrower and loan officer, so there’s a limit to how much of the process you can complete online. You can use the lender’s website to get in touch with a loan officer, and you’ll need to create an account in order to log into the application portal. Notably, the lender’s website includes several resources for borrowers, including a mortgage checklist with all the documents you’ll need to apply for a loan and a mortgage calculator.

Refinancing with Homeside Financial

Homeside Financial offers mortgage refinancing if you’d like to adjust the terms of your loan, lower your monthly payments or take some equity out of your home. You can start the application process through its website.

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Written by

TJ Porter

Contributing writer

TJ Porter is a contributing writer for Bankrate with eight years of experience writing about finance.  TJ writes about a range of subjects, from budgeting tips to bank account reviews.

Edited by

Suzanne De Vita

Arrow Right

Mortgage editor