Wyndham Capital Mortgage Mortgage Review 2021

By Peter G. Miller

Please note: In response to the coronavirus pandemic, lenders are changing their requirements continuously. Although we strive for accuracy at the time of publication, please be sure to check with the lender for updated details on down payments, credit scores, etc.

At a glance

Wyndham Capital Mortgage

NMLS: 2948

4.6

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Bankrate Score

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Loans offered

Conventional fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans; refinancing options include rate-and-term refinancing, cash-out refinancing, FHA streamline, VA streamline (IRRRL); home equity loans
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Nationwide availability

Available in 45 states and the District of Columbia; not available in Alaska, Hawaii, Massachusetts, New York and North Dakota
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Min. credit score required

Minimum credit score requirements not available

Pros and cons

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

Cons

  • Cannot apply for financing in person
  • No brick-and-mortar branches

Wyndham Capital Mortgage overview

Wyndham Capital Mortgage is a digital lender based in Charlotte, North Carolina. The lender was established in 2001 and provides mortgage financing in the majority of states and the District of Columbia. It has funded mortgages worth more than $18 billion and provided services for more than 60,000 borrowers. Notably, Wyndham Capital Mortgage offers a $10,000 limited guarantee to assure that loans close on time, and has no lender fees or hidden costs. For borrowers with a history of making their mortgage payments but are unable to qualify for a mortgage or refinance, Wyndham Capital Mortgage offers flexible underwriting.

Loan types

  • Conventional fixed-rate mortgages
  • Adjustable-rate mortgages (ARMs)
  • FHA loans
  • Rate-and-term refinancing
  • Cash-out refinancing
  • FHA streamline
  • VA streamline (IRRRL)
  • Home equity loans

Lender fees

Wyndham Capital Mortgage has no lender fees, “hidden costs” or “unnecessary charges,” according to the lender’s website. There may be a fee for a rate-lock extension due to delays, however.

Minimum borrower requirements

To qualify borrowers, Wyndham Capital Mortgage says it typically focuses on four areas: income and debts (such as credit cards, auto loans and student debt); assets; credit score and credit record; and loan-to-value ratio (LTV).

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Wyndham Capital Mortgage consumer reviews

3.4

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5 reviews

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Customer service rating

Knowledge
3.4
Level of service
3.4
Professionalism
3.4
Responsiveness
3.6

60% of reviews would recommend this lender

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Write a review of your experience with Wyndham Capital Mortgage.

4 of 4 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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Great experience

Ryan G | Texas | 9/22/2020

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Great experience on my refi Jan/Feb 2021

Natalie Johnson | AZ | 3/18/2021

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Terrible experience and company

SMW | 80127 | 10/8/2020

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DO NOT USE WYNDHAM!!

Do not use Wyndham | California | 3/2/2021