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Wyndham Capital Mortgage Review 2023

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At a glance

Wyndham Capital Mortgage

NMLS: 2948

4.1

Rating: 4.1 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 loan; non-QM; investment property

Location

Nationwide Availability

Available in all states except Hawaii, Massachusetts and New York

Credit Good

Min. credit score required

620 for conventional loans

Pros and cons

Checkmark Pros

  • Automated preapprovals and on-demand preapproval letters
  • E-closing experience for faster turnaround
  • Live follow-up system that connects borrowers with a loan officer to discuss their application

Close X Cons

  • Can’t apply for financing in person
  • No brick-and-mortar branches

Wyndham Capital Mortgage overview

Wyndham Capital Mortgage is a digital lender established in 2001 and based in Charlotte, North Carolina. It provides mortgage financing in the majority of states and Washington, D.C. Notably, the lender offers a $5,000 limited guarantee (with certain stipulations) to assure loans close on time, and doesn’t charge lender fees or hidden costs. For borrowers with a history of making their mortgage payments but unable to qualify for a loan, the lender also offers flexible underwriting. The typical closing averages just shy of 40 days, according to the lender.

Wyndham Capital Mortgage is good for

Borrowers looking to explore a variety of loan options or wanting the convenience of an e-closing

Breakdown of Wyndham Capital Mortgage overall score

  • Affordability: Wyndham Capital mortgage’s rates weren’t available online at the time of this review. You can inquire about a personalized quote via the lender’s website.

  • Availability: Wyndham Capital Mortgage lends to borrowers in most states, with New York one notable exception. It does have some non-qualifying (non-QM) options for borrowers with non-traditional circumstances.

  • Borrower experience: This lender has an A+ rating from the Better Business Bureau and consistently receives praise for its customer service.

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.

Affordability: 3/5

You can request a customized rate quote from Wyndham Capital Mortgage online by filling out a form with your contact information and some basic details about the loan you’re seeking. The lender doesn’t charge any fees except in the event you need to extend your rate lock.

Availability: 5/5

Wyndham’s mortgage offerings include conventional and government-insured loans, as well as some non-QM products. It can also help you if you’re looking to finance an investment property. The lender doesn’t operate in Hawaii, Massachusetts or New York, however.

Borrower experience: 4.3/5

Wyndham Capital Mortgage has been in business for 20 years, with $30 billion in funded loans since then. The lender boasts an A+ rating from the Better Business Bureau and overwhelmingly positive reviews from past customers on various testimonial sites.

You can apply for a home loan with Wyndham online, and the lender can generate a preapproval letter on the spot for a specific property. Its website features mortgage and refinance calculators and other resources, and the lender supports e-closings. If you want to take advantage of the lender’s closing guarantee, note you’ll need to sign up for the lender’s loan management portal and complete the required steps within five business days.

For help with a mortgage, you can contact the lender Monday through Friday from 8 a.m. to 5:30 p.m. ET at 888-474-3073.

Refinancing with Wyndham Capital Mortgage

Wyndham Capital Mortgage offers 10-, 15-, 20- and 30-year refinancing, as well as cash-out and FHA and VA streamline refinancing. Borrowers can begin the process of getting a customized rate and applying for a refinance online.

Alternatives to Wyndham Capital Mortgage

Wyndham Capital Mortgage consumer reviews

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NMLS: 2948

3.4

Rating: 3.4 stars out of 5

5 reviews

5 stars
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3 stars
2 stars
1 stars
3
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2

About consumer ratings

Customer service rating

Knowledge
Rating: 3.4 stars out of 5
3.4
Level of service
Rating: 3.4 stars out of 5
3.4
Professionalism
Rating: 3.4 stars out of 5
3.4
Responsiveness
Rating: 3.6 stars out of 5
3.6

60% of reviews would recommend this lender

0 of 0 rates honored

Review this lender

Write a review of your experience with Wyndham Capital Mortgage.

Written by

Ruben Caginalp

Associate writer

Ruben Çağınalp is an associate writer for Bankrate, focusing on mortgage topics.

Edited by

Suzanne De Vita

Arrow Right

Mortgage editor