Homebridge Financial Services Mortgage Review 2022

Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.


Types of Loans Offered


Conforming, FHA, VA, USDA, jumbo, HELOC, renovation, non-QM, reverse, construction-to-permanent


Types of Loans Offered


Conforming, FHA, VA, USDA, jumbo, HELOC, renovation, non-QM, reverse, construction-to-permanent

Pros

  • Wide range of mortgage options
  • Live online chat
  • Good customer reviews

Cons

  • Need to fill out a form to see rates
  • Doesn’t disclose lender fees online
  • No home equity loans

More Information

  • Offers jumbo loan amounts up to $3 million
  • Has branches in 31 states
  • Not licensed to lend in Utah

Overall lender rating

Pros and cons

Homebridge mortgage interest rates and fees

Homebridge doesn’t disclose any rates or fees on its website. Many lenders display sample mortgage rates online to give prospective borrowers an idea of the rates they offer.

To get a personalized rate quote from Homebridge, you’ll need to fill out an online form with your name, email address, and phone number. 

Insider’s Featured Mortgage Lenders

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Homebridge vs. Northpointe Bank

Homebridge and Northpointe Bank both stand out thanks to their ample mortgage offerings, though borrowers looking to explore many different options will find a wider range at Northpointe.

For first-time homebuyers or others in need of affordable lending options, Northpointe may be a better option thanks to its specialty mortgages that allow 0% down. To get a 0% down mortgage with Homebridge, you’ll need to qualify for a VA or USDA mortgage.

Homebridge vs. PNC Bank

PNC Bank is another strong mortgage lender with a good range of options. It also has a program that grants up to $5,000 to low- to moderate-income borrowers in eligible areas. This money can be used toward a down payment or closing costs.

But for borrowers with unique financial situations, Homebridge would likely be the better choice, thanks to its non-QM offerings. With non-QM loans, or non-qualified mortgage loans, borrowers can prove income using alternative methods, such as providing bank statements or 1099s. 

How Homebridge works

To apply for a mortgage with Homebridge, you can call, chat online, or submit some basic information about yourself and the type of home you’re looking to purchase in an online form.

Homebridge also has branches in 31 states if you prefer to get started in person. This lender doesn’t operate in Utah.

Homebridge offers conforming, FHA, VA, USDA, jumbo, renovation, non-QM, reverse, and construction-to-permanent mortgages. It also has HELOCs.

To get a conforming mortgage with this lender, you’ll need a credit score of at least 620. Its minimum down payment is 3%.

Is Homebridge trustworthy?

Homebridge Financial Services currently has an A- rating from the Better Business Bureau. The reason BBB gives for this rating is that Homebridge failed to respond to two complaints filed against the business.

BBB grades are based on honesty in advertising, transparency about its business practices, and effectiveness in responding to customer complaints.

Homebridge has very positive online customer reviews, earning nearly five out of five stars on both its TrustPilot and Zillow lender pages.

Homebridge FAQ

No, Homebridge is not a mortgage broker.

Brokers pull together offers from multiple lenders to help you compare and decide which lender is best for you. Lenders are the entities that actually originate the mortgage and loan the funds. You can work with a broker to find the right lender for you, or you can apply directly with the lenders you’re interested in.

Homebridge’s minimum down payment requirements differ by loan product:

Conforming: 3%

FHA: 3.5%

VA: 0%

USDA: 0%

Jumbo: 10%

Every borrower is different, and a lender that’s great for you might not be a good fit for someone else. Homebridge has good online customer reviews and a strong range of mortgage options to choose from. But it lacks in rate and fee transparency. 

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