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Homeside Financial is good for borrowers who want convenient customer service and lots of resources to learn about mortgages.
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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
Min. credit score required
640 for conventional loans, 640 for FHA loans, 640 for VA 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)
4.2
Bankrate Score
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)
Min. credit score required
640 for conventional loans, 640 for FHA loans, 640 for VA loans
A strong focus on customer service
Large variety of loans offered
Available in most of the U.S.
No home equity loans (second mortgages)
Homeside Financial is good for borrowers who want convenient customer service and lots of resources to learn about mortgages.
Homeside Financial doesn’t display mortgage rates on its website (you can, however, find rates on the Lower.com website). Generally, its rates are somewhat above Bankrate’s averages.
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.
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.
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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