{"id":50863,"date":"2021-05-13T11:33:52","date_gmt":"2021-05-13T19:33:52","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=50863"},"modified":"2023-03-17T11:56:55","modified_gmt":"2023-03-17T18:56:55","slug":"3-of-the-best-mortgage-refinance-companies","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/","title":{"rendered":"3 Best Mortgage Refinance Companies"},"content":{"rendered":"<p>You don\u2019t have to refinance with your existing mortgage lender. In fact, switching could actually save you money \u2014 that\u2019s why it\u2019s important to shop around and compare things like rates, fees, and service.<\/p>\n<p>Comparison shopping is especially important during the COVID pandemic, when lenders have seen unprecedented levels of refinancing activity and may be backlogged with other borrowers.<\/p>\n<p>With Credible, you can compare rates from the best refinance companies in the country. Our four partner lenders below can help get you a competitive rate on your next mortgage refinance.<\/p>\n<div id=\"credible-rate-table\"><\/div>\n<p><script>\n      window.credibleAsyncInit = function() {\n        CredibleSDK.initWidget('#credible-rate-table', {\n               environment: 'production',\n  \t    product: {\n  \t       marketplace: 'mortgage-combined',\n  \t       type: 'rate-table',\n  \t       variation: 'shortened',\n               loantype: 'refinance',\n  \t    },\n          analytics: {\n             source: 'credible_blog',\n          },\n  \t    });\n        CredibleSDK.initWidget('#mortgage-combined-rate-widget-simple', {\n               environment: 'production',\n  \t    product: {\n  \t       marketplace: 'mortgage-combined',\n  \t       type: 'rate-widget',\n  \t       variation: 'simple',\n  \t    },\n          analytics: {\n             source: 'credible_blog',\n          },\n  \t    });\n      };\n<\/script> <script async defer src=\"https:\/\/sdk.credible.com\/sdk.js\"><\/script><\/p>\n<p><b>Let\u2019s take a look at Credible\u2019s partner lenders:<\/b><\/p>\n<ol>\n<li><a href=\"#rocket-mortgage\">Rocket Mortgage<\/a><\/li>\n<li><a href=\"#caliber\">Caliber Home Loans<\/a><\/li>\n<li><a href=\"#loandepot\">LoanDepot<\/a><\/li>\n<\/ol>\n<p><a name=\"rocket-mortgage\"><\/a><\/p>\n<h2>1. Rocket Mortgage<\/h2>\n<ul class=\"accent--isBlue list--iconArrow\">\n<li><b>Best for: <\/b>Applying digitally<\/li>\n<\/ul>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"240\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Rocket-mortgage-review-transparent-600x240-1.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Rocket-mortgage-review-transparent-600x240-1.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Rocket-mortgage-review-transparent-600x240-1-300x120.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Rocket-mortgage-review-transparent-600x240-1-150x60.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">5.0<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/rocket-mortgage\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>Rocket Mortgage Refinance<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-types-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan types                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Types of loans the lender offers<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Conventional, FHA, VA, USDA, jumbo<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Origination fee                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Whether or not the lender has an origination fee<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Yes<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Online prequalification                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Whether or not the lender offers online prequalification on their site<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Yes<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b>Find out if refinancing is right for you<\/b><br \/>\nCompare rates from top mortgage lenders today.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/mortgage-refinance\/prequal\/property-type\" class=\"cta_btn\">Find Your Rate<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates will not affect your credit<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_58867\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_58867\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Loan types:<\/span> Conventional, FHA, VA, USDA, jumbo<\/li>\n                                            <li><span class=\"font-weight-bold\">Shows rates:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Origination fee:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Availability:<\/span> All 50 states<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Different servicer:<\/span> No<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Email, phone, chat<\/li>\n                                            <li><span class=\"font-weight-bold\">Mobile app:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Online review score:<\/span> 3.9\/5 Trustpilot score<\/li>\n                                            <li><span class=\"font-weight-bold\">Online prequalification:<\/span> Yes<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<p>For a painless application process, Rocket Mortgage is your best bet. The lender\u2019s digital-first approach lets you view <a href=\"https:\/\/www.credible.com\/mortgage-refinance\">refinance options<\/a> via a handy mobile app. When you\u2019re ready to move forward, you can get pre-approved, apply for your loan, and lock in your rate from the app as well.<\/p>\n<p>Rocket\u2019s parent company \u2014 Quicken Loans \u2014 was actually named the top servicer for customer satisfaction last year, so you know you\u2019re in good hands, too.<\/p>\n<h3>Pros<\/h3>\n<ul>\n<li>Digital-first approach<\/li>\n<li>Transparent about rates<\/li>\n<li>Highly rated for customer service<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul>\n<li>Digital application process may not be ideal if you have non-traditional income<\/li>\n<li>No ARMs (adjustable-rate mortgages)<\/li>\n<\/ul>\n<p>Read Credible\u2019s full review of <a href=\"https:\/\/www.credible.com\/lenders\/rocket-mortgage\/\">Rocket Mortgage<\/a> for more details.<\/p>\n<p><a name=\"caliber\"><\/a><\/p>\n<h2>2. Caliber Home Loans<\/h2>\n<ul class=\"accent--isBlue list--iconArrow\">\n<li><b>Best for:<\/b> Loan variety<\/li>\n<\/ul>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img decoding=\"async\" width=\"380\" height=\"143\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/Caliber-Home-Loans.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/Caliber-Home-Loans.png 380w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/Caliber-Home-Loans-300x113.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/Caliber-Home-Loans-150x56.png 150w\" sizes=\"(max-width: 380px) 100vw, 380px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.6<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/caliber\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>Caliber Home Loans Refinance<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-types-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan types                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Types of loans the lender offers<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Conventional, FHA, VA, USDA, jumbo<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Origination fee                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Whether or not the lender has an origination fee<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Yes<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Online prequalification                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Whether or not the lender offers online prequalification on their site<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Yes<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b>Find out if refinancing is right for you<\/b><br \/>\nCompare rates from top mortgage lenders today.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/mortgage-refinance\/prequal\/property-type\" class=\"cta_btn\">Find Your Rate<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates will not affect your credit<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_58744\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_58744\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Loan types:<\/span> Conventional, FHA, VA, USDA, jumbo<\/li>\n                                            <li><span class=\"font-weight-bold\">Shows rates:<\/span> No<\/li>\n                                            <li><span class=\"font-weight-bold\">Origination fee:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Availability:<\/span> All 50 states<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Different servicer:<\/span> No<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Email, phone<\/li>\n                                            <li><span class=\"font-weight-bold\">Mobile app:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Online review score:<\/span> 2.4\/5 Trustpilot score<\/li>\n                                            <li><span class=\"font-weight-bold\">Online prequalification:<\/span> Yes<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<p>If you\u2019re not sure which loan product is best just yet, Caliber Home Loans can help. The lender offers a wide and varied range of home loan products, including jumbo, VA, and conventional mortgages.<\/p>\n<p>Caliber even has renovation-specific loans like Fannie Mae\u2019s HomeStyle Renovation or the FHA 203(k) which can help you refinance and fund your home improvements all in one transaction.<\/p>\n<h3>Pros<\/h3>\n<ul>\n<li>Wide variety of loan options<\/li>\n<li>Many brick-and-mortar branches available across the country<\/li>\n<li>Helpful educational resources available on website<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul>\n<li>Must contact lender for a rate quote<\/li>\n<li>No HELOCs or home equity loans<\/li>\n<\/ul>\n<p>Read Credible\u2019s full review of <a href=\"https:\/\/www.credible.com\/lenders\/caliber\/\">Caliber Home Loans<\/a> for more details.<br \/>\n<a name=\"loandepot\"><\/a><\/p>\n<h2>3. LoanDepot<\/h2>\n<ul class=\"accent--isBlue list--iconArrow\">\n<li><b>Best for:<\/b> VA borrowers<\/li>\n<\/ul>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img decoding=\"async\" width=\"768\" height=\"307\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/loan-depot-transparent-14-768x307.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/loan-depot-transparent-14-768x307.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/loan-depot-transparent-14-600x240.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/loan-depot-transparent-14-1200x480.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/loan-depot-transparent-14-300x120.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/loan-depot-transparent-14-150x60.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/loan-depot-transparent-14.png 1476w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.2<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/loandepot\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>loanDepot Mortgage Refinance<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-types-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan types                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Types of loans the lender offers<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Conventional, FHA, VA, jumbo<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Origination fee                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Whether or not the lender has an origination fee<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Yes<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Online prequalification                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Whether or not the lender offers online prequalification on their site<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Yes<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b>Find out if refinancing is right for you<\/b><br \/>\nCompare rates from top mortgage lenders today.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/mortgage-refinance\/prequal\/property-type\" class=\"cta_btn\">Find Your Rate<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates will not affect your credit<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_58839\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_58839\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Loan types:<\/span> Conventional, FHA, VA, jumbo<\/li>\n                                            <li><span class=\"font-weight-bold\">Shows rates:<\/span> No<\/li>\n                                            <li><span class=\"font-weight-bold\">Origination fee:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Availability:<\/span> All 50 states<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Different servicer:<\/span> Depends<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Email, phone<\/li>\n                                            <li><span class=\"font-weight-bold\">Mobile app:<\/span> No<\/li>\n                                            <li><span class=\"font-weight-bold\">Online review score:<\/span> 3.6\/5 Trustpilot score<\/li>\n                                            <li><span class=\"font-weight-bold\">Online prequalification:<\/span> Yes<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<p>If you\u2019re planning to refinance your VA loan, then online lender LoanDepot might be a great choice. The company was one of the top 10 VA lenders in the country last year and even has dedicated VA specialists on staff.<\/p>\n<h3>Pros<\/h3>\n<ul>\n<li>Experienced VA lender<\/li>\n<li>VA specialists on staff<\/li>\n<li>Loyalty perks available for future refinances<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul>\n<li>Must contact lender for rates and terms<\/li>\n<li>No HELOCs, home equity loans, or USDA loans<\/li>\n<\/ul>\n<p>Read Credible\u2019s full review of <a href=\"https:\/\/www.credible.com\/lenders\/loandepot\/\">LoanDepot<\/a> for more details.<\/p>\n<p><em><strong>Keep reading: <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/7-1-arm\/\">7-1 ARM: Your Guide to 7-Year Adjustable-Rate Mortgages<\/a><\/strong><\/em><\/p>\n<h2>Other mortgage refinance companies to consider<\/h2>\n<p>While we certainly recommend the above refinance lenders, they\u2019re not your only options. For additional lenders to consider, see below.<\/p>\n<p>Please note that because the following are not Credible partner lenders, you will not be able to compare personalized rates and apply for a loan from them through our platform.<\/p>\n\n<table id=\"tablepress-669\" class=\"tablepress tablepress-id-669 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong> Lender<\/strong><\/th><th class=\"column-2\"><strong> Details<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"170\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/01\/JMAC_HomeLoans_Logo-768x170.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/01\/JMAC_HomeLoans_Logo-768x170.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/01\/JMAC_HomeLoans_Logo-600x133.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/01\/JMAC_HomeLoans_Logo-1200x266.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/01\/JMAC_HomeLoans_Logo-300x66.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/01\/JMAC_HomeLoans_Logo-150x33.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/01\/JMAC_HomeLoans_Logo.png 1500w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            Credible Rating\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#jmac-home-loans-mp\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><b>Loan types:<\/b> Conventional, FHA, USDA, jumbo, non-QM<br \/>\n<b>Credit score:<\/b> 620 (FHA, conventional), 680 (jumbo)<br \/>\n<b>Down payment:<\/b> 3% (conventional), 3.5% (FHA), 10% (jumbo)<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td colspan=\"2\" class=\"column-1\">            <div id=\"jmac-home-loans-mp\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Conventional, FHA, VA, jumbo<\/li>\n                                                <li><span class=\"font-weight-bold\">Shows rates:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Origination fee:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Availability:<\/span>\n                                26 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Different servicer:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Mobile app:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Online review score:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Online prequalification:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. down payment:<\/span>\n                                3.0%<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"362\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/united-wholesale-mortgage-768x362.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/united-wholesale-mortgage-768x362.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/united-wholesale-mortgage-600x283.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/united-wholesale-mortgage-300x141.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/united-wholesale-mortgage-150x71.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/united-wholesale-mortgage.png 1021w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/united-wholesale-mortgage\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#united-wholesale-mortgage-mp\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><b>Loan types:<\/b> Conventional, FHA, VA, USDA, jumbo<br \/>\n<b>Credit score: <\/b>620<br \/>\n<b>Down payment: <\/b>Contact lender<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"2\" class=\"column-1\">            <div id=\"united-wholesale-mortgage-mp\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Conventional, FHA, VA, USDA, jumbo<\/li>\n                                                <li><span class=\"font-weight-bold\">Shows rates:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Origination fee:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Availability:<\/span>\n                                All 50 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Different servicer:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Mobile app:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Online review score:<\/span>\n                                3.7\/5 Trustpilot score<\/li>\n                                                <li><span class=\"font-weight-bold\">Online prequalification:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. down payment:<\/span>\n                                3.0%<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"97\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/04\/bank-of-america-brand-png-logo-3-768x97.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/04\/bank-of-america-brand-png-logo-3-768x97.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/04\/bank-of-america-brand-png-logo-3-600x76.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/04\/bank-of-america-brand-png-logo-3-1200x152.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/04\/bank-of-america-brand-png-logo-3-1536x195.png 1536w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/04\/bank-of-america-brand-png-logo-3-2048x260.png 2048w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/04\/bank-of-america-brand-png-logo-3-300x38.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/04\/bank-of-america-brand-png-logo-3-150x19.png 150w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/bank-of-america\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#bank-of-america-mp\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><b>Loan types:<\/b> Conventional, FHA, VA, jumbo<br \/>\n<b>Credit score:<\/b> Contact lender<br \/>\n<b>Down payment: <\/b>3% (conventional), 3.5% (FHA), 0% (VA), contact lender for jumbo requirements<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td colspan=\"2\" class=\"column-1\">            <div id=\"bank-of-america-mp\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Conventional, FHA, VA, jumbo<\/li>\n                                                <li><span class=\"font-weight-bold\">Shows rates:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Origination fee:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Availability:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Different servicer:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Mobile app:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Online review score:<\/span>\n                                1.4\/5 Trustpilot score<\/li>\n                                                <li><span class=\"font-weight-bold\">Online prequalification:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. down payment:<\/span>\n                                3.0%<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"141\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/04\/chase-logo-1200x221-1-768x141.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/04\/chase-logo-1200x221-1-768x141.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/04\/chase-logo-1200x221-1-600x111.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/04\/chase-logo-1200x221-1-300x55.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/04\/chase-logo-1200x221-1-150x28.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/04\/chase-logo-1200x221-1.png 1200w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/chase\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#chase-mp\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><b>Loan types: <\/b>Conventional, FHA, VA, jumbo, Chase DreaMaker<br \/>\n<b>Credit score: <\/b>Contact lender<br \/>\n<b>Down payment: <\/b>5% to 20% (conventional), 3.5% (FHA), 20% (jumbo), 0% (VA), 3% (Chase DreaMaker)<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"2\" class=\"column-1\">            <div id=\"chase-mp\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Conventional, FHA, VA, jumbo<\/li>\n                                                <li><span class=\"font-weight-bold\">Shows rates:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Origination fee:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Availability:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Different servicer:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Mobile app:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Online review score:<\/span>\n                                1.3\/5 Trustpilot score<\/li>\n                                                <li><span class=\"font-weight-bold\">Online prequalification:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. down payment:<\/span>\n                                3.0%<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"555\" height=\"57\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/wells-fargo-mortgage-review-1.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/wells-fargo-mortgage-review-1.png 555w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/wells-fargo-mortgage-review-1-300x31.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/wells-fargo-mortgage-review-1-150x15.png 150w\" sizes=\"(max-width: 555px) 100vw, 555px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/wells-fargo\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#wells-fargo-mp\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><b>Loan types: <\/b>Conventional, FHA, VA, USDA, jumbo <br \/>\n<b>Credit score: <\/b>Contact lender<br \/>\n<b>Down payment: <\/b>3% (conventional), 3.5% (FHA), 0% (USDA, VA)<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td colspan=\"2\" class=\"column-1\">            <div id=\"wells-fargo-mp\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Conventional, FHA, VA, USDA, jumbo<\/li>\n                                                <li><span class=\"font-weight-bold\">Shows rates:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Origination fee:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Availability:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Different servicer:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Mobile app:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Online review score:<\/span>\n                                1.4\/5 Trustpilot score<\/li>\n                                                <li><span class=\"font-weight-bold\">Online prequalification:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. down payment:<\/span>\n                                3.0%<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"267\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-768x267.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-768x267.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-600x208.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-1200x417.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-300x104.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-150x52.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank.png 1521w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            Credible Rating\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#pnc-mp\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><b>Loan types:<\/b> Conventional, FHA, VA, jumbo, USDA <br \/>\n<b>Credit score:<\/b> Contact lender<br \/>\n<b>Down payment: <\/b>3% (conventional), FHA (3.5%), 0% (USDA, VA)<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td colspan=\"2\" class=\"column-1\">            <div id=\"pnc-mp\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Conventional, FHA, VA, USDA, jumbo<\/li>\n                                                <li><span class=\"font-weight-bold\">Shows rates:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Origination fee:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Availability:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Different servicer:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Mobile app:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Online review score:<\/span>\n                                2\/5 Trustpilot score<\/li>\n                                                <li><span class=\"font-weight-bold\">Online prequalification:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. down payment:<\/span>\n                                3.0%<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"307\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Veterans-united-home-loans-review-transparent-768x307.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Veterans-united-home-loans-review-transparent-768x307.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Veterans-united-home-loans-review-transparent-600x240.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Veterans-united-home-loans-review-transparent-1200x480.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Veterans-united-home-loans-review-transparent-300x120.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Veterans-united-home-loans-review-transparent-150x60.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Veterans-united-home-loans-review-transparent.png 1476w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/veterans-united\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#veterans-united-mp\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><b>Loan types: <\/b>VA, VA jumbo loans<br \/>\n<b>Credit score:<\/b> 640<br \/>\n<b>Down payment:<\/b> 0%<\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td colspan=\"2\" class=\"column-1\">            <div id=\"veterans-united-mp\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Conventional, FHA, VA, USDA, jumbo<\/li>\n                                                <li><span class=\"font-weight-bold\">Shows rates:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Origination fee:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Availability:<\/span>\n                                All 50 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Different servicer:<\/span>\n                                Depends<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Mobile app:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Online review score:<\/span>\n                                4.9\/5 Trustpilot score<\/li>\n                                                <li><span class=\"font-weight-bold\">Online prequalification:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. down payment:<\/span>\n                                3.5%<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"307\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/navy-federal-student-loan-consolidation-review-trans-1200x480-1-768x307.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/navy-federal-student-loan-consolidation-review-trans-1200x480-1-768x307.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/navy-federal-student-loan-consolidation-review-trans-1200x480-1-600x240.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/navy-federal-student-loan-consolidation-review-trans-1200x480-1-300x120.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/navy-federal-student-loan-consolidation-review-trans-1200x480-1-150x60.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/navy-federal-student-loan-consolidation-review-trans-1200x480-1.png 1200w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            Credible Rating\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#navy-federal-mp\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><b>Loan types:<\/b> Conventional, VA<br \/>\n<b>Credit score: <\/b>N\/A<br \/>\n<b>Down payment: <\/b>5% (conventional), 0% (VA), 0 to 10% (ARMs)<\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td colspan=\"2\" class=\"column-1\">            <div id=\"navy-federal-mp\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Conventional, VA, jumbo<\/li>\n                                                <li><span class=\"font-weight-bold\">Shows rates:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Origination fee:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Availability:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Different servicer:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Mobile app:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Online review score:<\/span>\n                                4.7\/5 Trustpilot score<\/li>\n                                                <li><span class=\"font-weight-bold\">Online prequalification:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. down payment:<\/span>\n                                5.0%<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-18\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/sofi-mortgage\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#sofi-mp\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><b>Loan types: <\/b>Conventional (fixed-rate only)<br \/>\n<b>Credit score: <\/b>Contact lender<br \/>\n<b>Down payment: <\/b>5%<\/td>\n<\/tr>\n<tr class=\"row-19\">\n\t<td colspan=\"2\" class=\"column-1\">            <div id=\"sofi-mp\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Conventional<\/li>\n                                                <li><span class=\"font-weight-bold\">Shows rates:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Origination fee:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Availability:<\/span>\n                                44 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Different servicer:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Mobile app:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Online review score:<\/span>\n                                3.1\/5 Trustpilot score<\/li>\n                                                <li><span class=\"font-weight-bold\">Online prequalification:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. down payment:<\/span>\n                                5.0%<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-20\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"240\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/stearns-mortgage-reviews-trans-600x240-1.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/stearns-mortgage-reviews-trans-600x240-1.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/stearns-mortgage-reviews-trans-600x240-1-300x120.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/stearns-mortgage-reviews-trans-600x240-1-150x60.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/stearns-lending\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#stearns-mp\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><b>Loan types:<\/b> Conventional, FHA, VA, USDA, jumbo<br \/>\n<b>Credit score:<\/b> Contact lender<br \/>\n<b>Down payment:<\/b> 3%<\/td>\n<\/tr>\n<tr class=\"row-21\">\n\t<td colspan=\"2\" class=\"column-1\">            <div id=\"stearns-mp\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Conventional, FHA, VA, USDA, jumbo<\/li>\n                                                <li><span class=\"font-weight-bold\">Shows rates:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Origination fee:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Availability:<\/span>\n                                49 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Different servicer:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Mobile app:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Online review score:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Online prequalification:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. down payment:<\/span>\n                                3.0%<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-22\">\n\t<td colspan=\"2\" class=\"column-1\">[mp-lenderlist-cta]<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h2>Frequently Asked Questions<\/h2>\n<h3>How does mortgage refinancing work?<\/h3>\n<p><a href=\"https:\/\/www.credible.com\/mortgage-refinance\/\">Refinancing<\/a> is when you take out a new mortgage loan and then use that loan to pay off and replace your current mortgage. There are two types of refinances you can choose from:<\/p>\n<ol>\n<li><b>Rate-and-term: <\/b>A <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/rate-and-term-refinance\/\">rate-and-term refinance<\/a> is a traditional refinance. It replaces your old loan with a new one that has a different term and interest rate. It\u2019s usually a good choice if you\u2019re looking to lower your monthly payment.<\/li>\n<li><b>Cash-out: <\/b>A <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/cash-out-refinancing\/\">cash-out refinance<\/a> allows you to turn your home equity into cash. You replace your old loan with a higher-balance one, and then receive the difference in cash.<\/li>\n<\/ol>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-to-refinance-your-mortgage\/\"><b><i>How to Refinance Your Mortgage in 6 Easy Steps<\/i><\/b><\/a><\/p>\n<h3>What are the benefits of refinancing?<\/h3>\n<p>The biggest benefit of refinancing is that it can lower your interest costs and reduce your monthly payments. Accessing cash or switching loan types can be good reasons to refinance, too.<\/p>\n<p>Let\u2019s look at these benefits in more depth:<\/p>\n<ul>\n<li><b>Lowering your interest rate:<\/b> Most homeowners refinance to take advantage of low <a href=\"https:\/\/www.credible.com\/mortgage\/refinance\/rates\">interest rates<\/a>. If market rates drop below the rate on your current loan, refinancing could mean paying less per month and in the long run.<\/li>\n<li><b>Reducing your monthly payment: <\/b>Refinancing into a loan with a lower interest rate is one way to lower your monthly mortgage payments. You can also replace your old loan with a longer-term one \u2014 for example, by refinancing from a 15-year to a 30-year mortgage. This spreads the balance out further and reduces your payment even more.<\/li>\n<li><b>Tapping your home equity:<\/b> With cash-out refinancing, you can tap your <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/what-is-home-equity\/\">home equity<\/a> to use toward <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/refinance-for-home-improvement\/\">home improvements<\/a>, sudden medical bills, tuition, or other expenses you have on your plate.<\/li>\n<li><b>Changing your loan type:<\/b> If you have an adjustable-rate loan (meaning the interest rate can change periodically), then you may want to refinance into a fixed-rate mortgage. This would give you a consistent rate and payment.<\/li>\n<\/ul>\n<h3>How do I qualify for refinancing?<\/h3>\n<p>The exact requirements you\u2019ll need to meet vary by lender and loan program, but generally, you\u2019ll need at least the following to <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/refinancing-requirements\/\">qualify for a refinance<\/a>:<\/p>\n<ul>\n<li><b>Minimum credit score: <\/b>600 to 620<\/li>\n<li><b>Debt-to-income ratio: <\/b>43% or lower<\/li>\n<li><b>Home equity:<\/b> 20% or more<\/li>\n<\/ul>\n<p>In March 2021, the majority (nearly 89%) of refinance borrowers had a credit score of 700 or higher. You may be able to get a <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/refinancing-bad-credit\/\">refinance loan with bad credit<\/a>, but you\u2019ll need to be stellar in other areas.<\/p>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/credit-score-to-refinance\/\"><b><i>Credit Score Needed to Refinance Your Home<\/i><\/b><\/a><\/p>\n<h3>How much does it cost to refinance?<\/h3>\n<p>Refinancing does come with <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/the-cost-of-refinancing-your-home\/\">closing costs<\/a>. According to 2020 averages, the typical homeowner pays just under $3,400 total to refinance their mortgage, though it varies by state.<\/p>\n<p>Some lenders offer what are called <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/no-closing-cost-refinance\/\">no-closing-cost mortgages<\/a>. These allow you to finance your closing costs \u2014 or roll them into your loan balance \u2014 and pay them off over time.<\/p>\n<h3>Does it make sense to refinance now?<\/h3>\n<p>The <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/when-to-refinance-mortgage\/\">best time to refinance<\/a> is when rates drop lower than what\u2019s on your current loan, you need an infusion of cash, or when you\u2019re nearing a potential rate increase on your adjustable-rate mortgage. Keep in mind you\u2019ll also need savings on hand to cover the closing costs.<\/p>\n<h3>How do I choose the best mortgage refinancing lender?<\/h3>\n<p>Shopping around for your refinancing lender is critical, and according to Freddie Mac, comparing just five different companies can save you as much as $3,000.<\/p>\n<p>When comparing your options, be sure to look at:<\/p>\n<ul>\n<li>Interest rate and APR<\/li>\n<li>Loan term<\/li>\n<li>Points and origination fees<\/li>\n<li>Total closing costs<\/li>\n<li>Ratings and reviews from past customers<\/li>\n<\/ul>\n<p>To <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-rates\/\">get a great refinance rate<\/a>, consider using Credible. You can compare several refinancing rates from our partner lenders all at once \u2014 checking rates is free and won\u2019t affect your credit score.<\/p>\n<p><small><em><strong>Methodology<\/strong>: Credible evaluated loan and lender data points in seven categories to identify \"best companies\" for mortgages. We looked at each lender's interest rates, fees, and the availability of repayment terms and discounts. We also considered each company's eligibility requirements, minimum down payment (for purchase), and the level of customer service provided. Because every lender has its own system for evaluating borrowers, the best loan or lender will depend on an individual's unique circumstance, the loan features that are most important to them, and the interest rate and terms they qualify for.<\/em><\/small><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>You don\u2019t have to refinance with your existing mortgage lender. In fact, switching could actually save you money \u2014 that\u2019s why it\u2019s important to shop around and compare things like rates, fees, and service. Comparison&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/\">Continue reading<\/a><\/p>\n","protected":false},"author":101,"featured_media":50864,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[1570,1463],"tags":[1521,1525,1518],"class_list":{"0":"post-50863","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-mortgage-refinance","8":"category-mortgages","9":"tag-mortgage-rates-sidebar","10":"tag-mortgage-refinance","11":"tag-rm-basics","12":"3-of-the-best-mortgage-refinance-companies","13":"post_tag-mortgage-rates-sidebar","14":"post_tag-mortgage-refinance","17":"post_tag-rm-basics"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3 Best Mortgage Refinance Companies of April 2026 - Credible<\/title>\n<meta name=\"description\" content=\"If you\u2019re thinking about refinancing your mortgage loan, it\u2019s important to shop around. Use this guide to find the best refinance lender.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 Best Mortgage Refinance Companies of April 2026 - Credible\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re thinking about refinancing your mortgage loan, it\u2019s important to shop around. Use this guide to find the best refinance lender.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/\" \/>\n<meta property=\"og:site_name\" content=\"Credible\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/crediblelabs\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-13T19:33:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-03-17T18:56:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/05\/best-refinance-lenders.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1062\" \/>\n\t<meta property=\"og:image:height\" content=\"425\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Aly J. Yale\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AlyJwriter\" \/>\n<meta name=\"twitter:site\" content=\"@credible\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Aly J. Yale\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/best-refinance-companies\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/best-refinance-companies\\\/\"},\"author\":{\"name\":\"Aly J. Yale\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/person\\\/b4bdc123a67c830fc4a95f9110e21b2b\"},\"headline\":\"3 Best Mortgage Refinance Companies\",\"datePublished\":\"2021-05-13T19:33:52+00:00\",\"dateModified\":\"2023-03-17T18:56:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/best-refinance-companies\\\/\"},\"wordCount\":1158,\"publisher\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/best-refinance-companies\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/05\\\/best-refinance-lenders.png\",\"keywords\":[\"Mortgage Rates Sidebar\",\"Mortgage Refinance\",\"rm-basics\"],\"articleSection\":[\"Mortgage Refinance\",\"Mortgages\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/best-refinance-companies\\\/\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/best-refinance-companies\\\/\",\"name\":\"3 Best Mortgage Refinance Companies of April 2026 - Credible\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/best-refinance-companies\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/best-refinance-companies\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/05\\\/best-refinance-lenders.png\",\"datePublished\":\"2021-05-13T19:33:52+00:00\",\"dateModified\":\"2023-03-17T18:56:55+00:00\",\"description\":\"If you\u2019re thinking about refinancing your mortgage loan, it\u2019s important to shop around. Use this guide to find the best refinance lender.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/best-refinance-companies\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/best-refinance-companies\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/best-refinance-companies\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/05\\\/best-refinance-lenders.png\",\"contentUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/05\\\/best-refinance-lenders.png\",\"width\":1062,\"height\":425,\"caption\":\"best refinance lenders\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/best-refinance-companies\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mortgages\",\"item\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"3 Best Mortgage Refinance Companies\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/\",\"name\":\"Credible\",\"description\":\"Getting borrowers connected to the right information for student loan refinancing, student loans, and personal loans.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#organization\",\"name\":\"Credible\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2017\\\/01\\\/Picture1.png\",\"contentUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2017\\\/01\\\/Picture1.png\",\"width\":901,\"height\":196,\"caption\":\"Credible\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/crediblelabs\\\/\",\"https:\\\/\\\/x.com\\\/credible\",\"https:\\\/\\\/www.instagram.com\\\/credible\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/crediblelabs\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/person\\\/b4bdc123a67c830fc4a95f9110e21b2b\",\"name\":\"Aly J. Yale\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/02\\\/c2e3dbd7207faf78a8670d8cab746862-150x150.png\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/02\\\/c2e3dbd7207faf78a8670d8cab746862-150x150.png\",\"contentUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/02\\\/c2e3dbd7207faf78a8670d8cab746862-150x150.png\",\"caption\":\"Aly J. Yale\"},\"description\":\"Aly J. Yale is a personal finance journalist with work featured in Forbes, Fox Business, The Motley Fool, Bankrate, The Balance, and more.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/alyjyale\\\/\",\"https:\\\/\\\/x.com\\\/AlyJwriter\"],\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/author\\\/aly-j-yale\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"3 Best Mortgage Refinance Companies of April 2026 - Credible","description":"If you\u2019re thinking about refinancing your mortgage loan, it\u2019s important to shop around. Use this guide to find the best refinance lender.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/","og_locale":"en_US","og_type":"article","og_title":"3 Best Mortgage Refinance Companies of April 2026 - Credible","og_description":"If you\u2019re thinking about refinancing your mortgage loan, it\u2019s important to shop around. Use this guide to find the best refinance lender.","og_url":"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/","og_site_name":"Credible","article_publisher":"https:\/\/www.facebook.com\/crediblelabs\/","article_published_time":"2021-05-13T19:33:52+00:00","article_modified_time":"2023-03-17T18:56:55+00:00","og_image":[{"width":1062,"height":425,"url":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/05\/best-refinance-lenders.png","type":"image\/png"}],"author":"Aly J. Yale","twitter_card":"summary_large_image","twitter_creator":"@AlyJwriter","twitter_site":"@credible","twitter_misc":{"Written by":"Aly J. Yale","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/#article","isPartOf":{"@id":"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/"},"author":{"name":"Aly J. Yale","@id":"https:\/\/www.credible.com\/blog\/#\/schema\/person\/b4bdc123a67c830fc4a95f9110e21b2b"},"headline":"3 Best Mortgage Refinance Companies","datePublished":"2021-05-13T19:33:52+00:00","dateModified":"2023-03-17T18:56:55+00:00","mainEntityOfPage":{"@id":"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/"},"wordCount":1158,"publisher":{"@id":"https:\/\/www.credible.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/#primaryimage"},"thumbnailUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/05\/best-refinance-lenders.png","keywords":["Mortgage Rates Sidebar","Mortgage Refinance","rm-basics"],"articleSection":["Mortgage Refinance","Mortgages"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/","url":"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/","name":"3 Best Mortgage Refinance Companies of April 2026 - Credible","isPartOf":{"@id":"https:\/\/www.credible.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/#primaryimage"},"image":{"@id":"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/#primaryimage"},"thumbnailUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/05\/best-refinance-lenders.png","datePublished":"2021-05-13T19:33:52+00:00","dateModified":"2023-03-17T18:56:55+00:00","description":"If you\u2019re thinking about refinancing your mortgage loan, it\u2019s important to shop around. Use this guide to find the best refinance lender.","breadcrumb":{"@id":"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/#primaryimage","url":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/05\/best-refinance-lenders.png","contentUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/05\/best-refinance-lenders.png","width":1062,"height":425,"caption":"best refinance lenders"},{"@type":"BreadcrumbList","@id":"https:\/\/www.credible.com\/blog\/mortgages\/best-refinance-companies\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.credible.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Mortgages","item":"https:\/\/www.credible.com\/blog\/mortgages\/"},{"@type":"ListItem","position":3,"name":"3 Best Mortgage Refinance Companies"}]},{"@type":"WebSite","@id":"https:\/\/www.credible.com\/blog\/#website","url":"https:\/\/www.credible.com\/blog\/","name":"Credible","description":"Getting borrowers connected to the right information for student loan refinancing, student loans, and personal loans.","publisher":{"@id":"https:\/\/www.credible.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.credible.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.credible.com\/blog\/#organization","name":"Credible","url":"https:\/\/www.credible.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.credible.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/01\/Picture1.png","contentUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/01\/Picture1.png","width":901,"height":196,"caption":"Credible"},"image":{"@id":"https:\/\/www.credible.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/crediblelabs\/","https:\/\/x.com\/credible","https:\/\/www.instagram.com\/credible\/","https:\/\/www.linkedin.com\/company\/crediblelabs"]},{"@type":"Person","@id":"https:\/\/www.credible.com\/blog\/#\/schema\/person\/b4bdc123a67c830fc4a95f9110e21b2b","name":"Aly J. Yale","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/c2e3dbd7207faf78a8670d8cab746862-150x150.png","url":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/c2e3dbd7207faf78a8670d8cab746862-150x150.png","contentUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/c2e3dbd7207faf78a8670d8cab746862-150x150.png","caption":"Aly J. Yale"},"description":"Aly J. Yale is a personal finance journalist with work featured in Forbes, Fox Business, The Motley Fool, Bankrate, The Balance, and more.","sameAs":["https:\/\/www.linkedin.com\/in\/alyjyale\/","https:\/\/x.com\/AlyJwriter"],"url":"https:\/\/www.credible.com\/blog\/author\/aly-j-yale\/"}]}},"_links":{"self":[{"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts\/50863","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/users\/101"}],"replies":[{"embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/comments?post=50863"}],"version-history":[{"count":18,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts\/50863\/revisions"}],"predecessor-version":[{"id":70657,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts\/50863\/revisions\/70657"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/media\/50864"}],"wp:attachment":[{"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/media?parent=50863"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/categories?post=50863"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/tags?post=50863"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}