Need help deciding?

(844) - 974 - 3637

Beeline Loans Review

ByChristian RiggNov. 23, 2020

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

In a Nutshell

Beeline links directly to your bank, employer and tax information, and leverages the power of machine learning to provide rapid, personalized loan proposals.


  • Online application and approval process
  • Machine-learning speeds up approval times
  • Direct links to applicant data ensures reliable results


  • $60 credit report fee
  • Hard credit pull may affect credit score

Beeline Loans at a Glance 

Direct lender or marketplace? Direct Lender
Loan types Purchase, Refinance
Featured Loans Fixed-rate, adjustable rate
Repayment terms 15 to 30 year loans
Minimum Down Payment Varies based on loan type
Minimum Credit Score Varies based on loan type
Suitable for Fully online, rapid approval


Beeline is an independent mortgage provider that offers quick, online assessments and loan approvals for both purchasing and refinancing. Linking directly to prospective borrowers’ bank accounts, tax history, and employment information, Beeline uses machine learning to rapidly create a unique, reliable lender’s profile, for rapid approval on conventional mortgages without you ever needing to leave home. Despite this highly automated approach, Beeline also boasts great customer service. 

Suitable For?

Individuals looking for a fully automated, modern, online mortgage service that guarantees quick results and the lowest rates available, with price-matching, and without sacrificing customer service. 

Types of Loans/Products

Beeline offers a wide variety of loans. 15-, 20- and 30-year fixed-rate mortgages are available, as well as 3/1 (fixed rate for 3 years, adjusted every following year), 5/1, 5/5 (fixed rate for 5 years, adjusted every 5 following years), 7/1, and 10/1 adjustable-rate mortgages with low initial payments.

Information on credit requirements, APR, down payments, specific loan terms, and eligibility can be found in Beeline's extensive help section. 

The Application Process

The application process is easy and quick, especially compared to traditional lenders, and can be done on your smartphone. The process can be broken down into 5 main steps, and takes about 15 minutes in total. 

  1. Create your profile (2 minutes) – this helps keep your information safe and secure, with Beeline’s bank-level encryption and security. You’ll be asked to give your first and last name, date of birth, cell phone number, email address, and password. 
  2. Your down payment (7 minutes) – securely link to your bank account, using the same technology as Venmo and Amex, and add additional assets like property, gifts, shares, grants to get a global picture, then decide on your down payment.
  3. What you make (4 minutes) – indicate your employment status and upload pay stubs (W-2s) for automatic verification.
  4. What you owe (2 minutes) – you’ll be asked to confirm your address, and the automatically checks your credit rating and lists an overview of your debts and liabilities. 
  5. Wrap it up (1 minute) – lastly, you’ll provide information on citizen, marital, and current living status, any dependents, etc., followed by a series of questions regarding your personal and legal situation, the property, etc. 

Rates and Fees– The Bare Basics 

Beeline offers competitive rates for all their offerings for various types of lenders.

Unlike many mortgage lenders who do not disclose rates, Beeline advertises their rates right on their website. Users can view rates for both home purchasing and refinancing, as well as  customize their loan scenario in order to view rates they actually prequalify for.

Beeline doesn’t charge origination or processing fees, thanks to their highly automated service. Beeline even allows you to pay appraisal costs (usually up to $600) at closing, along with other closing costs like third-party and title fees. 

Repayment Terms

Loan lengths vary from 5 to 30 years, with different terms available for most loans. APR information is available once you’ve gone through the application process. 

Help & Support

Beeline has no shortage of 5-star customer reviews attesting to a motivated and supportive staff. Their site includes an extensive FAQ and Knowledge Base. You’ll also be supported throughout the process by a dedicated Loan Guide who can contact directly on text, DM, live chat, email or phone call.


As we’ve seen, Beeline is a mortgage company for the 21st century. With a smooth and modern that guides you through the application process from start to finish, and lightning-fast approvals that run on machine learning - there’s a lot here to peak one’s interest. Beeline also doesn’t charge any origination or processing fees, and will price-match if you find a cheaper loan, though they do charge a $60 credit report fee. 


Why is Beeline only available in DC, FL, MD, MA, RI, TX and VA?

These are the states whose laws work well with the digital real estate processes that Beeline relies on for its quick lending service. 

How does Beeline keep user information safe?

Data is stored in read-only formats, and only the artificial intelligence at the heart of the service has access to it. Beeline never stores user credentials, and relies on two-factor authentication to secure the app. 

What makes Beeline stand out?

Beeline’s AI, and the fact that it connects directly with your bank accounts, is a big step forward in automating the home loan process. As a result, application and approval is less complex and more streamlined. The workload involved in traditional applications is greatly reduced, and with it, the stress of getting a traditional loan.

Why is Beeline so much cheaper? 

Beeline’s technology helps remove costly steps and automate the whole process, so less time, manpower and money goes into creating your profile, approving your loan, and guiding you from interested party to home owner. Basically, they keep costs low, and pass the savings onto customers. 

Physical Address

188 Valley Street, Suite 225, Providence, RI 02909.

Beeline Loans customer testimonials

ExcellentReviews 17
TrustPilot is the world’s most powerful review platform, free and open to all.
  • author
    Frank b
    3 days ago
    Overall a good experience

    Overall a good experience. Rand Harper was excellent to work with as she followed up with my questions and got things done!


  • author
    Josh Cerame
    Mar 25, 2021
    Excellent service and easy to use

    I had a second lien on my house and other lenders didn't take the time to figure out if I really even could refinance. Rebecca helped work through all the math and numbers and we figured out that I actually could. Rebecca and Chamira were always quick to respond and answered all the questions that I had. The website shows you a step by step progression of your lending which makes it easy to understand where you are and what's next. I would highly recommend Beeline to anyone and will.


  • author
    Mar 23, 2021
    Excellent service!

    My brother and I found Beeline and are using them to buy our first home. The process has been very smooth, technology is superb, and communication has been great. The whole team was very helpful and went above and beyond to answer all of our questions. We are locked at 2.87% and are putting 5% down. It is moving quickly, and we could not be more excited to close. Thank you, Beeline team, for all your help!


  • author
    J King
    Mar 21, 2021
    Chamira Watkins got the ball rolling on…

    Chamira Watkins got the ball rolling on our cash out Refi. We were able to pay off our credit card debt with our equity and therefore reducing our stress level!!! Thanks Chamira along with Chantel Sherrill, Jennifer Williamson, and Jamie Childress!


  • author
    Duke T
    Mar 04, 2021
    Great service, good rate

    We closed on a refinance at a good rate, we thought it was good enough to don't even shop for better rates with other lenders. The process starts very easily online, once you are pre-approved and moving to the next step is when they actually review every single line of everything you submit and ask to clarify everything. On one side they are very thorough, which is good, on the other they should make it clear from the beginning that the first step online is just a basic screening that will require you to send them a ton more documents later on. All along we dealt with Chamira Watkins, she was very active and kept me informed of the status of each step via text, emails, and calls. From start to finish took about 2 months. Overall we would work again with Makeabeeline and recommend them because their team is very active in following up and staying on top of the process. Thnak you Chamira for your help!


Beeline Loans