Best Online Mortgage

Updated for April 23, 2019

Quick and Easy. LendingTree offers the best mortgage rates and easiest online application process (takes 2 mins). Rather than applying for a mortgage with a dozen different lenders to find your best rate, you only have to apply 1 time with LendingTree and they’ll match you with the 5 best lenders for you. Checking your rates with LendingTree does NOT impact your credit score and only takes 2 mins.

#1 Pick 2019
VIEW RATESon LendingTree’s Secure Site
  • Mortgage Terms15 to 30 yr fixed rate
  • APRAs low as 3.50%
  • Credit ImpactNo impact to your credit score for applying

Typical Home Loan Process

Finding Your Rate

In order to find your mortgage loan rate, you’ll need to submit some basic information about yourself.

What You’ll Need

You’ll probably have to answer questions about your income and what type of home you plan on purchasing.

Getting Your Funds

The best part about online mortgages is that there’s no need to visit a bank branch in person.

What Are Mortgage Loans?

Mortgages are large loans used to finance the purchase of a home. Almost everyone who buys a home uses a mortgage. In today’s climate, mortgage rates are at all-time lows, making getting a mortgage more attractive than ever.

We spent 200+ hours searching for the best mortgages of 2019, because not all mortgages are made equal. Many shady online lenders have high variable rates and lots of hidden fees. None of the lenders on this page have hidden fees, and all are highly rated and respected.

What Can I use Mortgage Loans For?

Personal loans can be used for almost anything! Some of the most popular uses include:

  • First-time home buying
  • Investment properties
  • Vacation homes
  • Condos and some apartments

Mortgage Loan Myths

One of the most common misconceptions about mortgages is that they somehow negatively effect your credit score.

For most cases, this is not true. There’s typically no impact on your personal credit score to see if you qualify for a mortgage loan. And once you finalize your mortgage, and you begin to make timely monthly repayments, your credit score can actually improve. For the average 30 Year mortgage loan with a fixed rate, you’ll actually improve your credit score when you make your payments every month.

The only way a mortgage can harm your credit score is if you fail to make your payments.

VIEW RATESon LendingTree’s secure site

What is OptionsBro?

OptionsBro.com is an online financial information site dedicated to providing simple tutorials, reviews, and comparisons on all things finance.

Collectively, we’ve spent thousands of hours examining the most popular financial products and tools. Bottom line, we simplify and explain the myriad of consumer financial options available today, so you can make smarter financial decisions with ease.

Updated: April 1, 2019

All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20,2018. The time it will take to fund your loan may vary. LendingClub’s physical address is: LendingClub, 595 Market Street, Suite 200, San Francisco, CA 94105.
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