ChooseYourMortgage Review

ByAlex McomieJul.15, 2021
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In a Nutshell

ChooseYourMortgage is a mortgage lending marketplace that connects users with lenders for mortgages, home equity loans, and refinancing loans. There’s no application process on the ChooseYourMortgage website itself, so you’ll need to click through to other lenders for more information.


  • Purchase, refinance and home equity loans
  • Quick way to get information on multiple lenders


  • No on-site mortgage application
  • Limited information about rates and fees

ChooseYourMortgage at a Glance

Direct lender or marketplace Marketplace
Loan types Mortgage, equity loans, refinancing
Loan amount Depends on the lender
Repayment terms Depends on the lender
APR Starting at 2.364% for 30-year fixed as of 11/18/20
Suitable for Anyone looking for a new mortgage, refinancing loan, VA loan, or home equity loan


Mortgage rates have reached historic lows during the recession, leading savvy buyers to pull the trigger in order to lock in favorable interest rates. With so many mortgage lenders and marketplaces available, it can be tough to know where to look.

ChooseYourMortgage is a mortgage aggregator that can direct you to a variety of external lenders. You can use the website to quickly see a wide range of options and compare rates from different lenders before clicking through to their websites.

Suitable For?

If you’re just getting started with the mortgage process, a marketplace like ChooseYourMortgage is often the quickest way to get information from a number of lenders. Shopping around with several lenders before making a commitment will help you find more favorable rates. Keep in mind that ChooseYourMortgage isn’t actually a lender—you’ll have to complete the application process on an external site.

Types of Loans

ChooseYourMortgage directs users to loans in 3 categories: home purchases, home equity loans, and home refinancing. While there isn’t a separate way to search for VA loans, the ChooseYourMortgage directory indicates which lenders specialize in VA loans.

Application Process

As mentioned above, ChooseYourMortgage is a marketplace rather than a direct lender. You can use it to find other lenders, but you’ll have to apply on external websites. This can make the application process longer since you may need to create several applications in order to compare rates. That being said, if you’re at the beginning of your mortgage search, ChooseYourMortgage can help you quickly learn about multiple lenders before starting the application process..

Rates and Fees

ChooseYourMortgage provides limited information about rates and fees for third-party lenders. During our visit, we were only able to find minimum rates for 30-year fixed mortgages from two lenders: AmeriSave and Figure. Most of the notes were vague: for example, AmeriSave is described as having “Low refinance rates,” while LoanDepot is described to have “historically low interest rates”. With that in mind, the only way to get more information is to visit the site of each lender you’re interested in. 

Repayment Terms

To get more details about the repayment terms offered by each lender, you’ll have to navigate to an external site. For example, If you click through to Quicken Loans, they’ll ask you for some basic information including the kind of loan you’re looking for, the type of home you want the loan for, and when you plan to purchase it. Once you answer these questions, you’ll learn all the details about Quicken Loans’ repayment terms. 

Help and Support

ChooseYourMortgage doesn’t offer help or customer service. The contact information they provide is a physical mailing address—there’s no phone number, live chat link, email address or web form. Therefore, you’ll have to get support directly from your lender if you run into any issues.


4859 W Slauson Ave #405, Los Angeles, CA 90056


ChooseYourMortgage is a decent starting point for getting a new mortgage, but it doesn’t offer enough information or personalized service to complete the mortgage process. You won’t learn much about the external lenders until you actually click on the link to see what they offer.

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