Check Mortgage Rates and Save Money By Refinancing

Looking to purchase a home or refinance your existing mortgage? Here are some of the best online lenders to work with.

Obtaining a mortgage or going through a refinance can be a painstaking process. There are literally hundreds of options out there, but how do you know which is the best option? When you’re looking for a mortgage, many sites will pre-qualify you with 5-10 lenders. This usually comes with daily phone calls from loan officers trying to win your business. Instead, ReadyForZero handpicked the top direct lenders for you to choose from based on their interest rates, fees, and transparency.

Advertiser Disclosure

A majority of the offers that appear on this website are from companies from which ReadyForZero receives compensation.

Although we try to remain as objective as possible, this compensation can occasionally impact which products and offers we review or where and how they are displayed on these pages. We try to be as comprehensive as possible with our product reviews but we cannot review every product or offer available on the market. Please contact us at support@readyforzero.com if there is a product or offering you think should be reviewed by our personal finance experts.


Highlights to Consider Based On Our Review
  • Entire application is done online
  • Get your free credit score from all 3 credit bureaus
  • Securely upload and digitally sign all your loan documents
  • Get a REAL online approval with Freddie Mac underwriting engine
  • Zero origination fees
  • Licensed to originate loans in all 50 States
  • NPS (Net Promoter Score) of 77%, highest of any company in any industry
  • BBB Rating: A+
Highlights to Consider Based On Our Review
  • Licensed to originate loans in all 50 states
  • Closes majority of the loans in 30 days or less
  • Offers conventional, VA, FHA, ARMs and jumbo loans
  • BB Rating: A+
  • Good basic balance transfer with a longer than typical introductory period
Highlights to Consider Based On Our Review
  • Licensed in all 50 states
  • Offers conventional, VA, FHA, ARMs and jumbo loans
  • Currently the second largest non bank consumer lender
  • Closes loan 50% faster than the industry average
  • BBB Rating: A+
  • After obtaining a mortgage with Loan Depot, you can refinance without any fees (including appraisal)
© 2015 Avant RFZ LLCPrivacy Policy  Terms of Use