Interfirst Mortgage Company Review 2021

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At a glance

Interfirst Mortgage Company

NMLS: 7872

State License: MC-5688

4.4

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Bankrate Score

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Loans offered

Conventional, jumbo, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing; investment property
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Nationwide availability

Available in 28 states (Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Iowa, Illinois, Kansas, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, New Hampshire, New Mexico, Ohio, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin and West Virginia) and the District of Columbia
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Min. credit score required

620 for all loans

Pros and cons

Pros

  • Online application process
  • Speedy preapproval
  • No points or hidden fees

Cons

  • Doesn’t offer government-insured loans like FHA, VA or USDA loans
  • Requires a higher credit score to qualify
  • Does not consider alternatives to traditional credit scores, like rent payment history

Interfirst Mortgage Company overview

Interfirst Mortgage Company is an online-only mortgage lender headquartered in Chicago, Illinois. Preapprovals with Interfirst typically take one day, and closings usually happen in 45 days. Interfirst does not offer discounts to current customers, but it also doesn’t charge points, application fees, lender fees or other hidden fees.

Good for

Borrowers looking for a totally online process with a quick preapproval

Loan types

  • Conventional
  • Jumbo
  • Fixed-rate
  • Adjustable-rate
  • Rate-and-term and cash-out refinancing
  • Investment property

Lender fees

Interfirst Mortgage Company does not charge application fees, lender fees or points. Closing costs, including taxes and other fees, vary by state.

Rates

Interfirst Mortgage Company does not advertise rates on its website. Prospective borrowers must fill out an application to receive a rate quote directly.

Reputation

Interfirst Mortgage Company has been accredited with the Better Business Bureau since May 2020 and has an A+ rating.

Online services

Applicants with Interfirst Mortgage Company can (must, actually) apply online, and the lender offers both preapproval and prequalification. Interfirst also offers email-based web support, but the lender does not have an app, so everything must be done on a web browser. Applicants and borrowers can also contact Interfirst by phone. Its website does not have any educational resources like mortgage calculators, but the lender does offer the convenience of e-signature for documents.

Minimum borrower requirements

Interfirst Mortgage Company requires all borrowers to have a minimum credit score of 620 and to put down at least 15 percent (loan-to-value ratio of 85 percent or lower). The minimum loan amount is $100,000.

Refinancing with Interfirst Mortgage Company

Interfirst Mortgage Company offers refinancing options, which also must be applied for online. The lender does not advertise refinance rates directly, but does not charge fees on any of its loan products.

Not sure if Interfirst Mortgage Company is right for you? Consider these alternatives

Breakdown of Interfirst Mortgage Company overall review score

  • Affordability: 15/15
  • Availability: 13/15
  • Borrower experience: 8/10

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.

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Interfirst Mortgage Company consumer reviews

4.6

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358 reviews

5 stars
4 stars
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1 stars
300
24
4
4
26

Customer service rating

Knowledge
4.7
Level of service
4.6
Professionalism
4.6
Responsiveness
4.6

92% of reviews would recommend this lender

10 of 10 rates honored

Review this lender

Write a review of your experience with Interfirst Mortgage Company.

10 of 339 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.

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Seamless And Convenient

Rick Evangelista | Illinois | 9/20/2020

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Great Rate and Fast Closing

Chicagoland IL | Chicagoland, IL | 9/21/2020

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Overall a great experience

Al G. | IL | 9/26/2020

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Great rate and very responsive

Olivier | Chicago | 9/29/2020

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Great experience refinancing

Alex | IL | 10/8/2020

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Overall great experience

Slobodan Stefanov | Florida | 10/12/2020

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Great experience that was easy.

Young Kwon | Tampa, FL | 10/26/2020

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Excellent Service!

Bill | FL | 10/26/2020

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Great Rate and Low Cost

RF | IL | 10/26/2020

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The almost all online & paperless process is great

Eduardo | Cape Coral, FL | 10/26/2020

Written by
Zach Wichter
Mortgage reporter
Zach Wichter is a mortgage reporter at Bankrate. He previously worked on the Business desk at The New York Times where he won a Loeb Award for breaking news, and covered aviation for The Points Guy.
Edited by
Mortgage editor