![]() Speedīorrowers can count on getting preapproved within 24 hours. Customer support is available by phone Monday–Friday, 8 a.m. ![]() How To Applyīorrowers can apply online or in person if branch locations are available. Truist branches can be found in the following states: Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and West Virginia. The bank has more than 2,000 branch locations nationwide. Truist is available in 17 states plus Washington, D.C. Truist is a mid-size bank that offers in-person and online mortgage services, including USDA loans, to some of the fastest-growing markets in the U.S. Guild Mortgage requires a minimum credit score of 540 for USDA loans-one of the lowest requirements we found among lenders researched. However, Guild Mortgage offers a 17-day closing guarantee, which can be attractive for borrowers who need to close quickly. Preapproval times are not as fast as other lenders, with a one- to three-day turnaround on preapproval letters. Phone support is very limited, operating only Monday–Friday from 6:00 a.m. Their paperless application process allows borrowers to send paperwork electronically as well as apply and keep track of the application process online. Guild Mortgage offers both branch locations and online access to borrowers who want to apply for a mortgage. Guild Mortgage has over 200 branch locations in 43 states. Guild Mortgage is a nationally recognized independent mortgage lender that offers USDA loans with “better-than-average” interest rates and a low credit score requirement. Best for Borrowers with Low Credit Scores: Guild Mortgage Credit Requirementsīorrowers must have a minimum credit score of 620, but aim for a score of at least 640 if you’re seeking a USDA loan. In some cases, closing can be as short as 30 days. The average closing time is 45 days, which is about the industry average. Preapproval takes between 20 to 30 minutes. Customer support by phone is available Monday through Thursday from 8 a.m. How To Applyīorrowers can apply online or in person at a bank location. ![]() PNC is available online in all 50 states, but it also has branches for borrowers more comfortable with a brick-and-mortar experience in the following states: Alabama, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia and Wisconsin. with approximately 2,300 branches across the country. PNC Bank is one of the largest financial services institutions in the U.S. Best for Fast Online Loan Preapproval: PNC The lender considers alternative credit data, such as rent and utility payments, when reviewing mortgage applications. Credit Requirementsįlagstar Bank has mortgage products with minimum credit score requirements of 680, however it doesn’t specify a minimum credit score for its USDA loans. In some cases, closing can occur in as few as 11 days. Preapproval time is less than three days, while its average closing time is 35 days, which is shorter than the industry average. They can apply online or visit a lender in person.Ĭustomer support hours, including for email, phone and online chat, are Monday–Friday, 7:30 a.m. How To Applyįlagstar Bank offers several ways for customers to get a mortgage. Online application process available in-person branches also are available at 87 retail locations in 29 states. While branch locations can only be found in 29 states, USDA loans are available to borrowers online nationwide. Best National Bank USDA Lender: Flagstar Bankįlagstar Bank is one of the nation’s largest mortgage loan originators and mortgage servicers. Guaranteed Rate requires a minimum credit score of 620 for USDA loans. Preapproval times are not as fast as other lenders, with a one- to two-day turnaround on preapproval letters. Customer support is available by phone Monday–Friday, 8:30 a.m. Their paperless application process allows borrowers to send paperwork electronically as well as apply and keep track of the application process online.īorrowers can apply online or in person at one of their locations. Guaranteed Rate offers both branch locations and online access to borrowers who want to apply for a mortgage. Guaranteed Rate is available online everywhere in the U.S. Guaranteed Rate is a Chicago-based mortgage lender that offers a comprehensive online application process, making it a convenient option for rural borrowers located far away from the nearest branch. Best Online Application Process: Guaranteed Rate
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