Start your home buying journey with confidence by getting pre-qualified with Zillow Home Loans.
Getting home is a journey. Our loan officers are here to help you stay on budget and on schedule.
Top-rated loan officers
With a 4.8-star average rating, our loan officers provide step-by-step guidance and expertise in first-time home buying.
Competitive rates
Strong rates, no hidden fees and total transparency to keep you informed
and up-to-date.
Low down payment options
We offer a variety of loan options to meet your needs and help make home ownership more affordable.
Not sure where to begin on your home buying journey? Here's a quick guide to help you get started.
Take some time to review your credit score and income. Avoid taking out loans, opening credit cards or making large purchases for six months. Then, get a quick estimate of what you can afford with our Affordability Calculator.
Get an estimate for the amount you'll be able to borrow, so you can confidently search for homes within your budget. With Zillow Home Loans, you can get pre-qualified in as little as three minutes with no impact to your credit score.
Getting pre-approved by a lender helps you make a strong and competitive offer. A loan officer will verify your income and assets, so you'll want to prepare documents such as pay stubs, W-2's and bank statements.
After the seller accepts your offer, it's time to begin the formal mortgage application for your new home. Our loan officers will be available to provide expert guidance for your unique situation, every step of the way.
In most states, you'll close your loan with an escrow company. Once your loan is approved, the lender sets a date to finalize the sale and check your credit one last time.
Get pre-qualified and speak with a licensed loan officer or see the full list of financing steps in our article about the mortgage application process.
Calculate your budget
Deciding how much you can comfortably spend on a home will help you prepare for your search.
Wide range of options to suit many unique needs.
min. down payment.
Loan highlights:
Wide range of options to suit many unique needs.
min. down payment.
Loan highlights:
Wide range of options to suit many unique needs.
min. down payment.
Loan highlights:
Adjust your loan terms
No credit check or appraisal
Get cash and a new home loan
Understand what you qualify for and shop with confidence by getting pre-qualified.