Hello Yelpers!! I'm wondering why this zillow home loans git a poor rating. Speaking for my overall experience, my transaction with them went smoothly, 30 days, closed. Thank you Abe for all your help, to loan processors, underwriters THANK YOU. You guys are amazing! Well recommended. If your looking for REAL ESTATE agent contact Katie Cajas from Jeff Anderson Realty, excellent customer service, will negotiate for you! Thank you all! read more

Zillow Home Loans - Received this sweet treats... - Mortgage Lenders Near Me - Irvine, California

I'm giving them one star because we actually got the loan, but to be completely forthright, using Zillow Home Loans as our lender was one of the worst decisions of my life. From the time our offer was accepted and we paid our earnest money, the entire process slowly, methodically became more and more increasingly frustrating and maddening. To explain, I'll start with 6 months ago. My fiancee is still on a mortgage with her deadbeat ex-husband. They've been divorced over 14 years, yet because of his slackness and not paying his bills on time, she can't get off their mortgage. Our Loan Officer, Logan Kadolph told us that as long as she had a divorce decree, it would not be an issue. She easily provided it. Fast forward to two weeks before the scheduled closing we were then told "Well... she is still on the mortgage and liable." We were shocked. My fiancee was in tears for days. Later they decided to simply excuse this. As the closing date grew closer, I would get texts or emails saying "Everything looks good to close" and the very next day or hours later we would get an email from Julie Kim, Mortgage Loan Processor, and she would then send of list of more documents to upload. This was constant, a daily, never ending list of things to sign. I've purchased a home before and the first time was EXPONENTIALLY less complicated than dealing with Zillow. For the final straw, the day we were scheduled to close, they then said that my tax return and tax transcripts from a previous year, the amounts did not match, and I needed to give a reason for this. I said it didn't matter, since I had paid the IRS in full the previous year. They said it did matter. My fiancee simply Googled searched this, emailed that back to them showing that the transcript is the final word from the IRS, therefore there was nothing to resolve. Nevertheless, they canceled our close... to only HOURS LATER then say that they would excuse this. So as I had said earlier "It didn't matter!" But that was AFTER the close of business hours on a Friday, so we had to take off work AGAIN days later to finally close on our home. These are just a few examples of numerous issues we had with Zillow. Multiple times my fiancee and I said we wished we had used our bank. Bottom line, in my experience this organization is completely dysfunctional and it definitely seemed to my fiancee and I that communication within their team is severely lacking. I'm a clinical therapist and I counsel numerous couples, often times doing pre-marital counseling. Should any of them ever mention buying a house in the future, I will tell them "If you want to keep your sanity and peace, do not use Zillow Home Loans." read more

This is the most corrupt and ethical company. Don't use them. Don't ever ever ever use Zillow home loans. They asked for w2s the night before closing. We did not make closing them they pushed it off abs we did not make it again. They just bank statements and w2s asking for things over and over again. They ran hard credit checks without approval and when we reported our loan officer we were told that we were told we are speaking to his boss..... ir turns out our was his friend. We never spoke to his boss. They are completely incompetent amd unethical. They never locked in the rate and upped the price by$800. They preceded to resound do my review saying they will be in touch. They NEVER got in touch. They promised the manager would call...NEVER DID. The customer service experience promised they would be in touch... NEVER DID. IF YOU DON'T WANT TO LOSE THE HOUSE YOU WANT TO BUT... DON'T USE ZILLOW read more

Worst experience in the world. Christopher Gregory was the loan officer. He told us the loan was approved and then said it was declined on the day of the deadline after 5:00. Do yourself a favor and don't work with these people. Find a good bank or mortgage company with good reviews or a referral. Completely unprofessional. read more

The Zillow home loan application is a mess. It asks for way too much personal information right up front, yet somehow still manages to not get anything done. The process feels rushed, unprofessional, and poorly designed. I spent time filling things out only to hit dead ends, vague messages, and zero progress. It felt more like data collection than an actual loan application. No clear guidance, no follow-up, no results. If you want efficiency or professionalism, look elsewhere. Would not recommend. read more

This was the a nightmare experience. We Prequalified for a home loan with 25% down. They then required 43% down. Our assets along with income far exceeded what should have been needed for the loan amount. Realtors on the buy and sell side work for Compass. They recommend Zillow as quick and easy to work with. This couldn't have been further than the truth. The whole experience was a nightmare. read more

We submitted a competing lender's offer at 5.95%, and our Zillow loan officer confirmed they'd try to match it. We provided all requested info and followed up repeatedly. She then went on PTO during the decision window with no backup contact provided. We were left in limbo and ultimately had to close at 6.125%, costing us over $35,000 more in interest. Zillow later admitted to delays and communication issues but still refused to correct the situation or offer a lender-paid refinance. Their rate match process is unreliable and poorly managed. I do not recommend Zillow Home Loans and strongly advise others to be cautious. read more

I can't stress enough to stay away from Zillow Home Loans. We had a terrible experience dealing with the loan officer and loan processor. First, they are west coast so when they call for conditions it can be 8(e) or 9(e) which delays response. The under writing process is slow and zero feedback. We had to constantly message the LO and LP or we wouldn't hear anything. Then during the loan process a CAIVRS alert came up on 4/28, I called the SBA and discovered it was a fraudulent loan taken in my name. I paid it to clear it and push the loan forward. 5/1 Jon emails me that the CAIVRS is clear and the loan is going to UW. 5/11 two days before closing I get a call from Julie the LP and she tells me "we have a problem, a CAIVRS alert is coming up when we try and fund through FHA" at this point I was irate after being lied to about the CAIVRS being cleared 5/1. I demanded Julie's boss call me and discuss how this occurred. He called me and said I'll look into it and call you back. NEVER GOT A CALL BACK. I ultimately had to call my state representative to get it cleared up with the SBA. Then Julie calls with conditions, in those conditions were items that were my wife's (she's not on the loan". Why am I writing LOE's for items under my wife's credit? Then days goes by past our close and Julie sends me more conditions, all of them the same as last. This time I write a response with screenshots and statements, spelling out for the UW accounts are paid in full. Now we're getting close to the date where our contract ends. Zero notification from Julie on a closing date. My realtor had to call her and Jon for answers. I texted Julie multiple times and got standard "It's in UW". At this point my wife and I prepared that we were going to lose the house and shop for a new one and use a different lender. Finally after zero communication to me, my realtor called me and said Jon told her we are CTC. Honestly, ZHL destroyed any excitement we had of buying our home. We were lied to multiple times and strung along. If you decide to use ZHL, I plead with you to reconsider. They are incompetent and we over paid in the end. Oh, and I wrote an email to the CEO during our ordeal, zero response. You can tell a lot about a company when they don't even respond to customers. read more

Worst lender in the market. They pre-approved me for one and a half times the value of the home. Told me it could easily close in 30 days and on day 28, decided to pull out of the deal because my income was not W-2 even though they knew this information when they pre-approved me. It literally cost me thousands of dollars. I will never use Zillow Loans again read more

Do not attempt to refinance with Zillow home loans. They are the most incompetent and unprofessional group of lenders I have encountered since I bought my first home in 1985. I was put through an emotional and mental roller coaster during the whole process, which was supposed to take less than a month to finalize but took 2 months. It took that long to tell me I did not qualify when they could have figured that out on day one as the lender William sat in front of my computer and stared at the screen as I clicked to reveal my income, assets and debts. Any professional, experienced lender would have known immediately. There was no need to drag it on while making me believe I qualified. The icing on the cake was the congratulations I received from the lender and the processor for having been "conditionally" approved. They said they needed to look at a couple of more things, such as the title, etc., and William's email telling me the only obstacle was the amount of the loan and assured me that by lowering the amount, we'd be "good to go". His words! I agreed to put more money down and he agreed to finalize the loan by the end of the week. Two days later, the processor Emily called and totally refuted William's words and informed me I still did not qualify. I requested they give me their final say by the end of the week, which they ignored until I threatened to report them to the Better Business Bureau and the news media. I have reported them to BBB and will alert others, also. read more

Overall smooth process and great rates. Similar to other reviews on here: 1. The loan officer was amazing. Really took the time to explain everything to me and was available throughout the process. 2. Once handed off to their loan processors, it got rocky. They clearly need to improve their internal processes here. E.g. they asked me three times for homeowners insurance policy documents that I had already submitted. Or just two days before closing with the loan still pending "final approval" and me and my realtor getting nervous whether this will fall through, they ask for my latest pay slip. Which obviously they could have asked for way in advance... read more

Avoid them like the plague! I wish I had seen these reviews earlier and saved myself the nightmare. I have closed on nearly seven homes (both investment and primary residences) over the past ten years WITH OTHER LENDERS, and this experience was by far the worst. The loan officer we initially met with was amazing, with her service matching her 100 five-star reviews. Unfortunately, we were then handed off to the processor, and that's when the problems began. They use an app that is clunky and often doesn't allow you to upload documents freely, especially if your processor is delayed or inexperienced with the technology. It was extremely frustrating. When you need to talk to a human, there's no one available. This lack of human support tested every ounce of my patience. I would never recommend this app (It would be a stretch to call it a service.) Imagine 30 days of tech support-type calls, if you're lucky. Find someone local who will pick up the phone and save yourself the hassle. Additionally, their $3,000 on-time guarantee is a hoax, with fine print making it nearly impossible to claim. This added to the overall disappointment and frustration with the service. read more

The abomination and monopoly that portrays itself as Zillow is 100 percent deficient in truthful and factual information. I own 12 separate properties in California where Zillow underreports square footage, acreage size, years of construction built, and many other essential data; then, when, contacted with accurate information, they refuse to correct their records and threaten legal action even though they are spewing false and defamatory information which constitute actionable liable. This company is irresponsible, flaky, dishonest and should be shut down by US Federal Trade Commission, where, as an attorney, my complaint is being filed today. read more

Stay away from Zillow Hime Loans. My loans been transfered 3 times in 5 months, each servicer being worse than the last. I expect you'd get better customer service from a rent-to-own appliance store. Rocket mortgage was so so much better. I wished I had used them for this loan. read more

Does Zillow Home Loans have the cash flow to fund all of the mortgages they've pre-approved? I'm putting $210,000 down on a 4-plex and am requesting a mortgage of $75,000. I have great credit, zero late payments, am employed, etc. I applied for the loan at the beginning of December. It has now been 2.5 months and 3 closing dates have passed (Jan 10, Jan 24, Feb 7). The first was date was missed because the appraiser couldn't get into all of the units and needed to return. After that though, each time it got close to closing, the underwriter supposedly got confused or needed photographic evidence of something or wants the appraiser to go back a third time, etc. It's always something that take a few days, resolves suddenly, and causes the closing date to be moved again. So, the question is - Is Zillow past it's capacity to fund even small loans that are ridiculously over secured? Update: By some miracle, the closing papers finally arrived yesterday afternoon. It is supposed to fund next Tuesday. Original close date: January 10. Actual close date, February 14 with funding to occur February 18 due to a holiday. What I learned from this experience is to go to a credit union for small mortgages. Their interest rates are lower, they can move faster, and they're motivated to get it done. read more

Well, besides getting a wonderful house, experience to deal with MLoA was absolutely great by itself. Feeling that there is nothing as easy as get mortgage, feeling that all company exists only to support you, feeling that there is no such thing as "impossible" or "too hard"... I can continue and continue. I have to admit, I am not the best person to write review. But I think it will be not fair to keep only for myself that great experience I had with MLoA during my home buying adventure. It was not an easy case and nothing was straight forward. But everything was done great and on time. Special thanks to Ryan Lewis - loan officer, who made our impossible case possible and was so supportive, that I cannot imagine anything better. read more

Zillow Home Loans - Thanks to MLoA, now we own this house. - Mortgage Lenders Near Me - Irvine, California

I was pre-approved then approved. My realtor got everything together and we were ready to close. Then oh we need this & this & this. Okay done. Well...we can't do this without extra income?? My realtor found another mortgage company and I got my house in two weeks--with a much better deal. No thanks to Zillow. I feel as though all they did was lie to me. Zillow made me look like a liar to the seller as well. Check out other lenders and see what your options are before just going along with Zillow. read more

First and foremost; their rates are absolutely NOT competitive. I have to admit that Google saved me almost 3/4 a percentage point by suggesting shopping around. So I did. I suggest you do too. After receiving an email from the rep suggesting I was angry. Not angry man, just smart. Mental math is my strong point. I had to ask them not to contact me again. You can do that, it's OK. I have excellent credit, which was proven. I provided all the paperwork. Their appraisal fees are atrocious! Paying $150 more on average. Their agents were inexperienced, and didn't even seem to understand how a credit card worked. Which is kinda sad working in the industry. I was sent to third party "verifiers" that seemed to troll for "info" that was completely unnecessary. During a 3 way call even the third party was concerned and refused to divulged information. Moral of the story. BIG names, BIG websites, BIG commercials Who pays for all that?? YOU! read more

The ONLY reason they got a 3 is because I LOVE LOVE LOVE my house and they got my loan closed as promised, WELL not without a lot of emotional abuse of both me and my realtor and a ton of stress but they got it done. I was originally prequalified for an anount which was no where near what I was actually qualified for, having stricter underwriting due to having my own business. The loan officer told me JUNE end of would be closing. We just closed August 27th. Try putting your life on hold with endless documentation of every financial transaction and every aspect of your life and business constantly. I was mocked, made fun of and basically told I was a liar because the manager refused to believe someone on his team repeatedly fed us false hope and false information. We had to get managment involved because the loan officer was NEVER brief and to the point and NEVER told me what he wanted clearly or needed or communicated what was going on. He WAS very nice though and never abused me in any way. His manager DID which is shocking. It is one thing to defend your team but I had witnesses and I have original emails from his officer backing up what I was saying. I would urge STRONG caution when using this lender. The loan officer also caused me to lose a thousand dollars to a builder by telling me I was prequalified for a construction loan without being specific. I believe the builder will return my money but still. Disappointing. They DID get it done and for that I am very thankful but I never want to go through that negative of an experience again. Ever. Ever. Ever. I will use a LOCAL bank. Listen and read the reviews. My realtor agrees with me. read more

Began the mortgage application process with really good customer service. They set up a portal for me to upload my documents and retrieve documents from them. It was going smooth until they bounced me from one person to the next, lost my application, ignored my emails, ignored my phone calls, botched up the closing documents, and ultimately delayed my closing. I closed on 2/2/21 and first payment was due on 3/1/2021. I mailed the payment to the address stated in the mortgage documents and they lost it. Then on 3/1/21 they mailed me a notice saying the payment mailing address has changed. Then on 3/8/2021 I received another new notice that the payment for 4/1/2021 was to be mailed to a new bank with a new loan number. On 3/9/2021 called customer service and talked to the rudest person reading from a script. Good riddance. Do not use this company. read more

I was able to close on a Short Sale (with FHA financing) within 22 days!! Yes, even both Realtors were amazed at how diligent "the lender" was...Stephanie O'Farrell was nothing short of awesome at every turn. Oh, and with their being in Kansas (I'm in Orlando, FL): The hour difference came in handy more than twice. Would I recommend them? Absolutely! :-) read more

Zillow Home Loans - Yes, even both Realtors were amazed at how diligent "the lender" (Stephanie O'Farrell) was at every turn ...(Before Pic) - Mortgage Lenders Near Me - Irvine, California

See all

Excellent service - Ari was the one to help me get prequalified and to get started on my purchase loan process immediately. He also ensured that the entire team was communicative and responsive to all of my questions and concerns. The entire team of Zillow is amazing and they always made sure that there were no hiccups along the way. I received a great interest rate that I'm happy with and was able to close on my condo in less than a month! I'm so glad to have come into contact with Ari for his help and would 100% recommend him to friends and family. Thank you Ari and the Zillow Home Loan team! read more

We had amazing experience with our refinance! Timothy McLaughlin was very helpful! He responded rapidly to any questions we had and he followed up on every detail. Zillow finished our refinance process in 3 weeks! We are very happy with the service we received and we definitely recommend Zillow! Thank you Timothy! read more

Made the contracted buyer jump through hoop after hoop after hoop on their application. It was dragged out for 3 months, continuously having to push out the closing date. Every time MLOA were given one item they requested, they came up with something new they wanted. Buyer went through inspection and appraisal, so that money is now wasted. Finally, when the buyer got them everything they had been asking for, and the lender rep couldn't think of anything else, the underwriters decided they couldn't offer the loan without a co-signer. Why wait all that time and drag the buyer through all this only to tell them at the end there was no way they'd qualify on their own? They did everything you asked of. An absolutely rubbish lender who didn't communicate well, strung everyone along, and made the process the worst i've ever seen. Also, their fees were outrageous. Because of their minimums, it would have ended up being almost 1.8% of the loan. If you value your timeline on your contract, look elsewhere. read more

Worried, worried, worried. Thought all was great until closing time arrived and now everything is being put off with only promises. Even have the utilities in the new place in my name and movers Saturday. After reading these reviews I am really concerned because I am having the same nightmare experience. Beware of on-line companies. Want to run as far away from them as I can get. I don't believe anything they are telling me. In the end I worried for nothing. My lender worked very hard and delivered. Turned out a lot of the problems came from the sellers realtor. read more

Worst worst worst. Deal with them at your own risk. This is total fraud right here. I repeat AT YOUR OWN RISK. They will waste your time and money. read more

Zillow home loans is comparable to a lemon car. You dont know it's a lemon at first but when you take it off the lot you get a piece of shit thanks Jared Green read more

Financed thru Zillow our team was great in completing our loan, it took a lil longer then estimated but the outcome was worth the wait. I recommend this company to anyone in need of a loan. Our reps where Vincent and Shaun great to work with. read more

I closed on my mortgage with Zillow on 05/20/2021. They sold the mortgage on 06/22/2021 to BSI Financial Services. I made 2 mortgage payments to Zillow prior to the transfer to BSI, but BSI does not acknowledge either of those payments and shows my account past due on my first statement from BSI dated yesterday, 07/12/2021 (even though I paid through August, 2021). After researching BSI, I discovered that they have a pattern of complaints with the BBB and were in violation of the Truth in Lending Act, the Consumer Financial Protection Act of 2010, and the Real Estate Settlement Procedures Act (can all be found on BBB's website). They reached a settlement and were required to pay a fine back in May of 2019, but are still doing the same unethical things (and Zillow doesn't appear to be bothered by this). Zillow obviously knows that they are selling mortgages to an unethical mortgage company, and yet continue to do so. I also experienced the same issues as reviewer John B. (except that I did close on time - barely - despite all of the mishaps during closing) - multiple ignored emails, phone calls, etc. The BSI debacle is the biggest concern I have with Zillow. I'm considering refinancing to get out of this nightmare Zillow has put me in. read more

I worked with stephanie O'farrell and she was awesome got us approved and we closed and moved into our forever home back in april! It was not easy and we had to do some work on our part but MLOA was there to help every step of the way highly recamommed them! read more

Zillow Home Loans - Mortgage Lenders Near Me - Irvine, California

I recently notified Zillow about a con artist listing a property as for rent, that clearly lived in. In the two weeks since, they have not acknowledged that they are taking action against the scam to which at least 16 applications were sent. That is 16 families personally identifiable information, which Zillow by law is required to protect. Completely unsat. We are a military family affected by Zillow's inaction. read more

My agent Arch slipped up a few times in this process. He forgot to include the point scheme in the rate. He accidentally deleted my application and I had to redo it. He was apologetic and I was forgiving. What's much less forgivable is that at the very beginning of the process I asked explicitly if Zillow lends to LLC's, knowing that some agencies do not. He assured me that Zillow does, and so I spent a substantial amount of time working through the deal flow, on and off the phone, chasing down documents, hard pull on my credit. And then he tells me they don't lend to LLC's! Yeah Arch? In your 10 years of working for Zillow this basic fact has never come up? Unbelievable. Never working with Zillow again. read more

I had an amazing experience with Mortgage Lenders of America. Breanna Freed was a fantastic. She was there to answer questions, calm me down when I had anxiety about buying my first house, & she got me a great rate for my mortgage. I highly recommend Breanna & Mortgage Lenders of America when you're ready to buy a home. read more

I'm so glad we decided to refinance our home. I was hesitant at first because the thought of all the paperwork & process sounded overwhelming. Mark Nouraei was SO helpful and knowledgeable. He made the process as simple as he could & really walked me through every step. He made me feel like a person and not just another number on his list of clients. Thank you Mark & Zillow for great service! read more

Awesome service! Kept us up-to-date on how our refinancing was moving. There was a little hiccup as far as the HERO program was concerned (not MLOA's fault, of course) but was ironed out by David V. in a matter of time. Excellent customer service and HIGHLY RECOMMENDED. read more

Well, what can I say if I could give -5 I would SAY 1 star is too good for these folks. I should have known something to question when the first reply back on my initial inquiry was "i will make this quick and painless." This place is a SCAM, they ask for more and more paperwork, we jumped through hoops then in the 11th hour, decided to switch the deal. It's the old BAIT AND SWITCH GAME. Do not use these folks, YOU WILL BE SORRY and waste a lot of your time. read more

I really hope you forward this message to the CEO of your company. What an abysmal experience it has been TRYING to work with Scott Ponick. I have perfect credit and was trying to do a Refi with cash out. He gave me one quote and when I asked him to increase the money out I never heard back from him. He SIMPLY IGNORED ME. Is this the way your company wants to be recognized online? As a company that simply ignores it's customers? All I can say is social media is a powerful tool and Scott's choice to not engage is being reflected online by me and many other customers. read more

Zillow home loans made our first home buying experience miserable. communication was terrible and they were so flaky. definitely do not recommend them. read more

Worst experience! I am an agent and this is the first time ever dealing with zillow home loans. Everything was going extremely well in the beginning then towards the end when it counted and we needed answers it all fell off the cliff. Communication was TERRIBLE! When things started to get sticky the lender stopped communicating with just about everyone and was only going through my clients and the lender was not calling me back, or any of the key players in this deal. If I did get any response it was only through email with a very vague answer. They kept saying they were going to get us the documents we needed for over a week and did not see anything until the day of closing and it wasn't even the documents we needed. We were waiting on a clear to close document to finish off this deal and found out from the manager that they do not do clear to close documents the DAY OF CLOSING! We had been talking about getting a clear to close for over a week and the lender didn't say peep about zillow not doing that type of documentation. Funding got held up because of an error on their end and they tried blaming my clients for the underwriters fault. I even got a hold of the manager of the lender and she didn't even have the courtesy to call me back. The only way she communicated was through email. Some managing that is. On the day of closing they had the closing disclosure which was signed by my client a few days prior and all of the sudden the numbers changed on the document AFTER my client signed. The DAY OF they changed the points on the loan amount in turn costing my clients more money they they had signed off on. Moral of the story I recommend NOT using zillow lending. They need to stay away from the areas of real estate that should be left to the professionals and just stay a real estate portal. That's it end of story. If I could give them negative stars for this I would. read more

Benjamin White came through for us when I needed him to. The other mortgage brokers were flaking out and Ben came in with a better rate and terms finishing things up ahead of the other companie's schedule! Highly recommend! read more