Zillow Home Loans offers several types of fixed-rate and adjustable-rate purchase or refinance loans. Qualified borrowers can apply for a low-cost VA or FHA loan. Zillow doesn't provide details on loan terms on its website, but if the borrower answers a brief series of questions, a loan officer will reach out to help find the right loan for the borrower's purposes and budget.

To start working with Zillow Home Loans, the borrower answers a short series of questions that ask for details such as the type and size of loan, details on the property, income, and estimated credit score (range). The site does not provide estimated offers at that point but rather lets you know that a loan officer will reach out to the borrower. That was the case when we searched for a loan on a modest home in a Midwestern city and indicated we'd make a significant down payment, had excellent credit, and a six-figure income. Some borrowers would rather have the option of browsing offers before speaking with a loan officer. Zillow Home Loans doesn't follow this model and recommends obtaining an official Loan Estimate in order to compare loan options.

Zillow Home Loans does not discuss minimum credit scores or down payments, loan-to-value ratios, or other qualification standards on its website. Requirements vary depending on what type of loan you apply for. For example, some government-backed loans offer the option of zero down payment and more lenient credit qualifications. Zillow Home Loans' loan officers can help you explore options that suit your means and credit position.

Customers report high satisfaction with Zillow Home Loans. The company earns an A+ rating from the Better Business Bureau and an impressive 4.4 stars on Trustpilot as of 10/1/2022. The company appears to be diligent in responding to customer complaints and resolving them to complainants' satisfaction. We also noted that there were zero complaints filed against the company with the Consumer Financial Protection Bureau and only three public regulatory actions listed on the Nationwide Mortgage Licensing System in the past several years. These actions were against its predecessor, Mortgage Lenders of America, which occurred prior to the company being acquired by Zillow, Inc. and prior to being renamed Zillow Home Loans.