Veterans United Home Loans

Credit Requirements: 620 for conventional loans and VA loans

Pros: Specializes in VA loans & customer support available 24/7

Cons: No home equity lines of credit (HELOCs) or home equity loans

Better.com

Credit Requirements: 620 for conventional loans

Pros: All-online experience. Big savings thanks to no commissions/fees. Possibile preapproval in just 3 minutes.

Cons: No branch locations. No VA or USDA loans.

LowRates.com

Credit Requirements: 620 for conventional loans

Pros: Potential for a fast closing & credit underwriting finished in 24 hours.

Cons: No branches (except Sun West Mortgage Company locations)

First Midwestern Bank

Credit Requirements: 620 for conventional loans

Pros: Online process, may be eligible for a rebate if you’re a banking customer, & loan programs for first responders and physicians.

Cons: No branch locations in Texas