Credible is an online platform that makes it easy to compare mortgage offers from multiple lenders. The service is free to use and requesting offers won’t impact your credit score. Credible also doesn’t share your information with lenders. It only takes a few minutes to get offers and you can apply directly through Credible if you find a mortgage offer you like. If you need help, support is available seven days a week via phone, email, and live chat.
Loan types: Purchase, refinance
Loan products: Conventional, jumbo
APRs start from: Varies by lender
Minimum credit score: 620
Repayment terms: 15-30 years
Credible enables you to compare mortgage offers from multiple lenders. The process is fast, simple, and free. If you get an offer you like, Credible facilitates the completion of the application process via your chosen lender’s website.
Credible lets you compare conventional and jumbo mortgage offers, but it doesn’t support USDA, VA, or FHA loans at this time. The platform doesn’t share your information with lenders, but you do have to create an online account in order to view offers.
It only takes a few minutes to receive and compare loan offers on Credible.
The platform asks for basic information such as where you’re looking to buy a house, if the loan is for a first-time purchase, whether the home will be your primary residence, and what down payment you’re planning to make. Credible also asks for your annual income and conducts a soft credit check, which doesn’t impact your credit score.
You must provide your name, email, and phone number, as well as create an online account with Credible in order to view offers. Credible doesn’t share this information with lenders, so you won’t be bombarded with phone calls from loan agents—a major advantage compared to other mortgage marketplaces.
Based on your information, Credible will show you personalized mortgage offers.
If you find an offer you like, you can apply with the lender directly via Credible.
Credible lets you compare offers for conventional and jumbo mortgages. Lenders that Credible works with offer both fixed-rate and adjustable-rate mortgages.
Credible does not compare USDA, FHA, or VA mortgages at this time, although some of the lenders that Credible works with offer these loan options.
Credible isn’t a direct lender and mortgage rates and terms vary for each lender with which the platform works. Most lenders offer both fixed-rate and adjustable-rate loans. Available repayment terms for conventional and jumbo mortgages range from 15 to 30 years.
Credible’s partner lenders require a minimum credit score of 620 to pre-qualify for a loan.
Credible is an online marketplace where you can compare conventional and jumbo mortgage loan offers. Credible doesn’t share your contact information with lenders and you never have to talk to a loan agent if you don’t want to.
Requesting loan offers through Credible is free and won’t impact your credit score. If you find a loan you like, you can apply directly via Credible.
You can speak with a loan agent at Credible via phone, email, or live chat to get help understanding your offers or navigating the application process.
Support is available from 6am to 6pm (PT) Monday-Thursday and from 7am to 4pm Friday-Sunday.
Be aware that once your loan closes, you will need to contact your lender for assistance. Credible does not administer loans.
Credible has a 4.6-star rating on Trustpilot from over 5,000 customer reviews. The company is accredited by the Better Business Bureau and has an A+ rating.
Email: mortgages@credible.com
Address: 115 Sansome Street, Suite 600, San Francisco, CA 94104