Get home on your budget with Zillow Home Loans
Start your home buying journey with confidence by getting pre-qualified with Zillow Home Loans.
- No impact to your credit
- No hidden fees
- Pre-qualify in as little as 3 minutes
Why 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.
We'll meet you wherever you are
I’m just researching
Try an affordability calculator below to see exactly how much home you can afford.
I’m looking at homes
Get pre-qualified in as little as 3 minutes, so you’re ready to make a move.
I’m ready to buy
Connect with a top-rated loan officer to find the right mortgage for you.
How to finance with Zillow Home Loans
Not sure where to begin on your home buying journey? Here's a quick guide to help you get started.
- 1. Prepare your finances
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.
- 2. Get pre-qualified
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.
- 3. Get a verified pre-approval
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.
- 4. Apply for a mortgage
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.
- 5. Close on your new home
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.
Have more questions about financing?
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.
Take the next step with an Affordability Calculator
Calculate your budget
Deciding how much you can comfortably spend on a home will help you prepare for your search.
Explore our variety of loan options
Conventional loan
Wide range of options to suit many unique needs.
3%
min. down payment.
Loan highlights:
- Fixed-rate options
- 15-, 20-, or 30-year terms offered
- PMI required with <20% down
FHA loan
Wide range of options to suit many unique needs.
3.5%
min. down payment.
Loan highlights:
- Popular with first-time buyers
- Flexible credit requirements
- Mortgage insurance is required
VA loan
Wide range of options to suit many unique needs.
0%
min. down payment.
Loan highlights:
- Competitive interest rates
- Reduced closing costs
- No PMI
Rate and term refinance
Adjust your loan terms
- Remove PMI
- Shorten or extend how long you'll pay on your home
- Fixed and adjustable rate options available
Streamline refinance
No credit check or appraisal
- Less hassle than traditional refinance processes
- Existing government-backed mortgage required
Cash-out refinance
Get cash and a new home loan
- Get up to 80% of home's value
- Use your cash however you'd like
- Conventional and government-backed options available
See what our customers are saying
Your homeownership journey starts here.
Understand what you qualify for and shop with confidence by getting pre-qualified.
