Reliant Home Funding Mortgage Review 2026

Reliant Home Funding overview

Reliant Home Funding is a Long Island, New York-based mortgage lender available in about half of U.S. states, mostly (but not entirely) on the East Coast. The company was founded in 2010. Buyers can complete the entire lending process remotely and can expect it to take anywhere from 30 to 45 days to receive a loan approval decision.

Pros and cons of Reliant Home Funding

How Bankrate scored Reliant Home Funding

Affordability: 5 stars

 Because of Reliant Home Funding’s competitive rates, the lender scored a perfect 5 out of 5 stars for affordability.

• Interest rates: Reliant Home Funding reported mortgage rates significantly below Bankrate's national average at the time of this review.
• Down payment: To be eligible for a conventional loan through Reliant, the lender requires at least 3% down. FHA loan borrowers need a down payment of at least 3.5%, and to get an adjustable-rate mortgage (ARM), you must put down at least 5%. VA loans have no down payment requirement.
• Fees: Reliant Home Funding charges an underwriting fee as part of its closing costs.

Availability: 4.6 stars

Because Reliant Home Funding features an array of mortgage options and can lend in many states nationwide, the lender scored 4.6 out of 5 stars for availability.

• Home loans offered: Reliant Home Funding originates conventional and government-backed loans with fixed and adjustable rate options. It also offers home renovation financing and reverse mortgages.
• Footprint: The lender is licensed to originate home loans in 25 states nationwide and Washington, D.C.
• Where to find: You can apply for a mortgage directly on the lender's website or app, or over the phone.

Borrower experience: 3.2 stars

Because Reliant Home Funding hits some but not all the targets for borrower experience, it scored 3.2 out of 5 stars for this metric.

• Application and preapproval process: It only takes a few minutes to start your mortgage application on the lender's website. To do so, you'll answer some questions about what kind of property you're looking for as well as provide some financial information. From there, a loan representative will reach out to you for the next steps. Alternatively, you can call the lender directly.
• Transparency: Reliant Home Funding does not display rates on its website. To get a quote, you'll need to contact the lender.
• Customer service: You can reach the lender by email or text, or by downloading the app or filling out an online form. You can also reach out by phone.

Here are some visuals of what your experience might look like working with Reliant Home Funding:

Images courtesy of Reliant Home Funding as of Feb. 26, 2024. Note: Depending on method of contact, your individual credit profile and other circumstances, your experience might differ.

Reliant Home Funding reputation

Reliant Home Funding is not accredited by the Better Business Bureau, but it holds an A+ rating with the organization. The lender also does not have any ratings on the review site Trustpilot at the time of this writing.