Think Home Loans Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Think Home Loans
Think Home Loans is a mortgage broker, not a direct lender — it doesn't originate loans itself. We still score its pricing on the same measures we use for every lender, so you can compare it fairly against your other options.
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - —Customer complaints
no CFPB complaint on record
Not rated - —Where and what they lend
10+ Bankrate customers in 3 states; 100+ in 1. No lending-reach data from this broker, so this stays a comparison point for you rather than a star.
Not rated
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
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What Bankrate's editors think
Think Home Loans (the operating name for First National Financing Inc.) is headquartered in Denver and licensed in seven states: Arizona, Colorado, California, Florida, Georgia, Nebraska and Washington. Its advertised loan menu covers fixed-rate, adjustable-rate, FHA and VA loans, plus refinancing options.
Its pricing performance is solid too: about 87% of its mortgages were priced below comparable 2025 loans, and it charges less in added costs than most comparable lenders and brokers. Think’s regulatory file is clean, with no CFPB complaints and no enforcement actions on record. It holds an A+ BBB rating and has been accredited since 2010.
At a glance
Good for fixed-rate, ARM, FHA or VA borrowers in Arizona, Colorado, California, Florida, Georgia, Nebraska or Washington. Not a good fit if you’re outside those seven states, or if you need jumbo or non-QM financing — its site doesn’t list either.
What consumers say
Transparency and Professionalism.
Jesse and his team did a fantastic job with our cash out refinance. What we liked best was the transparency of the whole process. Not just the step by step process, but digging by into what real cost and each individual charge was, he really earned our respect and appreciation. We’re so glad to have been paired up with him and highly recommend him and his team for future projects.
S W. · Georgia
Amazing!!!!
Jesse with Think Home Loans was amazing to work with, his communication with us through the whole process start to finish was hands down the best loan experience I have ever had. He made it easy and answered all of our questions. I can not say enough about our experience. I spoke with alot of lenders during this process and Jesse was by far the easiest to talk to and get a hold of. If you are looking for a loan they have the best rates and the best customer service. I will be letting everyone I know to use them if they need a loan. Very impressed, you won’t be disappointed. Thank you!!!
Tom · Colorado Springs, Colorado
Expert and Friendly
Working with Jesse was a great experience. He and his staff made the whole process easy to navigate. I got a great rate and the money was funded in record time. Highly recommend.
Phyllis . · Colorado Springs
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