ClickStart Mortgage is a wholesale mortgage marketplace that compares offers and rates from some of the most trusted names in the industry. You only need to fill out a single, straightforward application form to get a range of rates online quickly. The company also offers helpful online tools, as well as quality support via phone, email, or live chat.
Loan types: Purchase, Refinance
Loan products: Conforming, Jumbo/Super Jumbo, FHA, VA, USDA
Minimum credit score: Varies
*Because it’s a marketplace, these figures may differ from provider to provider. For example, not every provider will offer the exact same loan types or products.
There’s a lot to like about ClickStart Mortgage. It provides wholesale rates from many of the top mortgage companies in the country, and applying is quick and easy. There are various ways to reach out to the company, and it features online tools you can use to educate yourself.
Unfortunately, the company is only licensed in a few states, which include: Arizona, California, Colorado, Florida, Georgia, Oregon, Tennessee, Texas, and Washington.
The ClickStarts process is relatively straightforward. First, you click Apply Now on the website homepage. You’ll be taken to a page where you enter your name, email address, phone number, state, and choose a password.
After clicking Get Started, you’re taken to a page where you add a few more details about yourself, such as marital status and title. Next, you provide your address and any address you’ve lived at within the last two years.
The form then asks if you’re applying with a co-borrower, if you’ve served in the military, and if you’re purchasing a home or refinancing a mortgage. It will also ask about the property you’re buying/refinancing, such as the type of property, how it will be used, and when you will be purchasing/refinancing.
If you're using a real estate agent, it asks you to include their name and provide information like your down payment (if you’re buying a home), as well as your approximate credit score and social security number.
Next, you’ll have to include information about your income, employment history, and any assets you have. To complete your application, you’ll also need to submit some documents, such as your identification, utility bills, taxes, paystubs, and proof of homeowners insurance, if applicable.
The exact time for a mortgage to be funded varies, but many can be completely funded in 30 days.
While Clickstart isn’t a direct mortgage lender, it partners with lenders that offer a wide variety of different loan types. This includes:
The company also offers loan refinancing if you want to try to reduce your rate, change your monthly payment, or alter the term length of your mortgage.
ClickStart doesn’t provide mortgages but keep an eye out for the following important features when shopping around for a loan:
ClickStart also offers helpful features for those looking to buy or refinance a home. First of all, it provides a customized quote form that lets you almost instantly see a rate you may qualify for.
The website also has a mortgage calculator that helps you estimate your monthly payments so you know what you can afford. In addition, you can get a refinance analysis and learn more about how much you may be pre-approved for.
Because ClickStart doesn’t offer mortgages directly, the rates and terms vary depending on the mortgage provider you work with. Most lenders will offer terms of 5 to 30 years.
Loan providers the company works with can typically issue both fixed-rate and adjustable-rate mortgages. The rates offered to you depend on your creditworthiness, which is influenced by things like your repayment history, debt-to-income ratio, credit score, and more.
You can head to the ClickStart website to get a customized quote if you want an idea of the rate you may qualify for.
Keep in mind that ClickStart offers wholesale rates. These are generally lower than publicly available retail rates. If you go to the lender directly, you’ll normally get retail rates. But if you work with a company like ClickStart or a broker to negotiate on your behalf, you’ll often get better deals thanks to the relationships these people/companies have with lenders.
ClickStart Mortgage is a wholesale mortgage marketplace that makes it easy to compare rates and offers from several of the largest mortgage providers in the country, all with one application. The company has solid reviews, several online tools to take advantage of, and numerous ways to reach out to customer support.
If you need assistance, you can reach out to ClickStart over the phone at 1(800) 701-7908 or via email at contact@clickstartmortgage.com. There’s also a live chat feature on the website to ask questions, get advice, or provide feedback. The company has solid reviews, with a 4.4 rating on Trustpilot and an A rating from the Better Business Bureau.