Homebridge Financial Services Mortgage Review 2025

Homebridge Financial Services overview

Homebridge Financial Services is a national wholesale lender that offers a variety of mortgage and refinancing options, with a special focus on renovation loans. It was the 54th-largest mortgage originator overall in 2023, according to federal data, and the government has recognized it as a top 203(k) renovation loan lender.

Pros and cons of Homebridge Financial Services

How Bankrate scored Homebridge Financial Services

Affordability: 3.3/5

The lack of rate transparency was offset by moderate fees, resulting in an affordability score of 3.3 out of 5 stars.

• Interest rates: Homebridge Financial Services does not advertise mortgage rates online, so it's hard to tell how its rates compare to Bankrate's national averages.
• Down payment: The lender offers plenty of low- and no-down-payment options, including conventional loans with 3 percent down, FHA loans with 3.5 percent down and VA and USDA loans with zero percent down. 
• Fees: While the lender doesn’t charge an origination fee, there might be a fee for rate-lock extensions, which could be partially refunded in some cases.
• Closing costs: To learn more about your closing costs, you'll have to contact the lender or review your loan estimate. Typically, these expenses run between 2 and 5 percent of the loan amount.

Availability: 4.9/5

Because of its broad product line and extensive geographic reach, Homebridge scored 4.9 out of 5 stars for availability.

• Home loans offered: Homebridge Financial Services provides conventional loans as well as government-backed loans through the FHA, VA and USDA programs. It also offers options to refinance your existing mortgage, plus construction and renovation mortgages and loans on investment properties.
• Footprint: The lender operates in all U.S. states but Utah.
• Where to find: To get a mortgage through Homebridge Financial, you'll work with a partner broker or loan officer to apply for the best mortgage for your needs. 

Borrower experience: 3.8/5

The lender's borrower experience has some upsides and downsides — notably a lack of convenience — leading to a score of 3.8 out of 5 stars.

• Application and preapproval process: To get started, you’ll need to fill out a form on the lender’s website detailing the type of loan you want and the home you’re looking to buy or refinance. A loan officer will then reach out to you to follow up — there’s no way to get a preapproval or apply for a loan online. The lender offers some useful online tools, including mortgage payment and rent versus own calculators, but doesn’t allow you to go through most of the lending process online.
• Transparency: You won’t find mortgage rates from Homebridge Financial Services advertised on its website. To see rates, you’ll need to complete a form and wait for a loan officer to contact you.
• Customer service: The lender doesn't have as many contact methods as others; you can contact the lender by phone.

Homebridge Financial Services reputation

Homebridge Financial Services has been in business for more than 30 years. The lender has an “Excellent” rating on Trustpilot (4.9 out of 5 stars) and an A- from the Better Business Bureau. However, the lender is not accredited by the Better Business Bureau.

Refinancing with Homebridge Financial Services

Homebridge Financial Services offers rate-and-term and cash-out refinancing options. To learn about refinance rates and fees, you'll need to contact the lender.

How to apply for a mortgage with Homebridge Financial Services

You can apply for a mortgage with Homebridge Financial Services online or by phone at 888-266-4930. Here are some tips to prepare for the process:

1. Check your credit report. It’s important to check your credit report before your lender does, in case there are errors that could impact not only whether you get preapproved but also your ability to get the best mortgage rate. Knowing your credit score also helps you decide what type of loan to apply for. If your score is in the very low 600s, for instance, an FHA mortgage might be best for you, as its standards are more lenient than those for conventional loans.
2. Gather personal and financial documents. With any lender, you must supply documentation about your income, assets and debts. This includes pay stubs and W-2s and account and loan statements.
3. Provide details about the property. You’ll need to provide the address of the home and submit to a home appraisal. (If you’re refinancing, you might or might not need an appraisal.)