The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.
Advertising Disclosure is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.
Zillow Home Loans Review
Introducing Zillow Home Loans, the lending business run by the operator of America’s number biggest real estate marketplace.
Zillow Home Loans Review
Introducing Zillow Home Loans, the lending business run by the operator of America’s number biggest real estate marketplace.
March 30, 2021 / Nadav Shemer
Zillow Home Loans Review
Introducing Zillow Home Loans, the lending business run by the operator of America’s number biggest real estate marketplace.
March 30, 2021 / Nadav Shemer

At a Glance

If you’ve ever looked for a home, then you’re surely already familiar with Zillow Home Loans, America’s largest real estate marketplace. But did you know the Zillow Group also operates a separate lending business? Zillow Home Loans is licensed to serve borrowers in 45 state. It offers a variety of mortgage loans to meet your needs, including low down payment options. The service is speedy, and you can count on Zillow Home Loans to meet your deadlines.

How it Works

Whether you’re looking to purchase or refinance, the application process starts with a short online questionnaire. The questionnaire consists of around 15 questions, and you should be able to complete it in under five minutes.

If you’re refinancing, then here’s what you’ll need to answer:

  • Where is your home located?
  • What kind of home do you currently own?
  • How are you using this home?
  • Are you or your spouse a veteran or active military?
  • What's your home's value?
  • What's your current home loan balance?
  • Do you have a second mortgage or a home equity line of credit (HELOC) on this property?
  • Do you want to borrow additional cash when you refinance?
  • What's your annual income before taxes?
  • Do you know your credit score?
  • Are you self-employed?
  • Have you had a bankruptcy, foreclosure, or short sale in the past 7 years?
  • Contact information (name, email address, and phone)

Once you’re done, a loan officer in your area will reach out to you to discuss your options, answer any questions, and help you apply for pre-approval. If you don’t have a real estate agent, Zillow Home Loans will offer to connect you with one.

As you can see, you won’t need to hand over any sensitive information to get started. However, if you do choose to proceed to pre-approval, then will be need to provide documentation. Fortunately, after completing the online questionnaire, Zillow Home Loans will email you a link to a page outlining exactly which documents you’ll need to get pre-approved.


  • User-friendly platform
  • Transparent loan options
  • Clear and friendly customer service


  • Not licensed in HI, NJ, NY, VT, WV
  • Lack of info about fees

As you would expect of a service provided by the Zillow Home Loans, the Zillow Home Loans platform is very easy to navigate. On the home page, you’ll see all the loan options transparently laid out before you. There’s even an option to see sample loan terms for each loan type – a nice touch that helps you visualize what you’re getting. And if you still have questions, then Zillow Home Loans’ expert loan agents are well-equipped to help.

The only major problem with Zillow Home Loans is that it’s still not licensed in seven states. If you’re buying in New York, New Jersey, Vermont, Maine, West Virginia, Wyoming, or Hawaii, then you’ll have to look elsewhere for a loan.

Types of Loans

Zillow Home Loans offers conventional loans as well as two of the most common types of government backed loans – FHA loans and VA loans. Conventional loans can be secured with as low as 3% down payment. The usual rules apply to the other loans: minimum 3.5% down payment for FHA loans and zero down payment on VA loans.

Loan Features

Like the Zillow Home Loans property platform, Zillow Home Loans offers plenty of free features and tools to help you make a decision.

  • Sample loan terms. On the Zillow Home Loans home page, you’ll see an option to view sample loan terms for each loan type. This shows you monthly payments for loans with minimum APR and average home price.
  • Mortgage calculator. There’s no need to go searching for a calculator, because Zillow Home Loans has one on its website. Type in as much information as you know (e.g. home price, down payment, loan program, interest rate, property tax, home insurance) to find out how much you’ll pay each month.
  • Free mortgage guides. Zillow Home Loans has an extensive blog with answers to many of the questions that frequently (and not so frequently) come up during the mortgage process. If you’ve ever wondered what to expect during the mortgage process, how to find the right real estate agent for you, or how to save for a down payment, then you’ll find the answers in this section.

Rates and Terms

Zillow Home Loans won’t let you see pre-qualified rates without filling out an initial application form, although it does offer minimum APRs as a guide. Strangely, this lender only appears to offer fixed-rate loans. There is no mention of adjustable-rate options on its website. Repayment terms of 15, 20, 25, or 30 years are offered for conventional loans, and 15 or 30 years for government-backed FHA and VA loans.

Contact Zillow Home Loans

As mentioned, Zillow Home Loans prides itself on its customer service. On its website, it promises to offer a clear and transparent service and to meet your mortgage deadlines. To begin the mortgage process, fill out the online form on the Zillow Home Loans website and wait for a loan agent to call you. Alternatively, you can call Zillow Home Loans directly on 888-852-2212. Zillow Home Loans is based in Overland Park, Kansas.


If we had to give one reason to use Zillow Home Loans for your purchase or refinance, it would be: national reach, local service. Wherever you live, your loan application will be handled by a Loan Officer with deep knowledge of your area.

By Nadav Shemer
Nadav Shemer specializes in business, tech, and energy, with a background in financial journalism, hi-tech and startups. Nadav writes for He enjoys writing about the latest innovations in financial services and products.
Best Mortgage Loans Companies
New American Funding
Read More
Visit Site >
Rocket Mortgage
Read More
Visit Site >