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Home Loan Analyst Review

ByChris MullerJan. 31, 2021

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In a Nutshell

Home Loan Analyst stands by its goal to make shopping for mortgage loans easy for you. It compares rates from a network of lenders, so you get a great loan for your specific situation. Companies in Home Loan Analyst's network offer fixed-rate, adjustable-rate, FHA, VA, and home equity loans.

pros

  • Flexible terms
  • Quick process
  • Personalized loan recommendations

cons

  • Newer company with less available information
  • Not a direct lender

Home Analyst at a Glance

Direct lender or marketplace? Marketplace
Loan types:  Home equity, refinancing
Featured Loans:   Cash-out refi, HELOC, FHA, VA, Fixed-rate, Adjustable-rate
Repayment terms:  10-30 years
Minimum Down Payment:  Varies by loan type
Minimum Credit Score:  Depends on the lender, typically 500
Suitable for:  Getting a complete comparison of rates

Overview

Home Loan Analyst helps you determine what type of loan works for you. They help you compare loan offers through their partners so you can find the one that works for you and purchase the home you love.

They offer access to refinancing and home equity loans, including HELOCs, cash-out refinancing, FHA, VA. You can also choose between a fixed- or adjustable-rate mortgage based on the available terms. They work with a vast network of lenders, including Wells Fargo and Quicken Loans. Depending on your desired terms and credit history, it may make more sense to work with specific lenders.

During our Home Loan Analyst review, we found that its proprietary system helps even the most novice buyers find affordable, competitive rates.

Suitable For?

Home Loan Analyst is a marketplace, which means they do not lend to you directly. Instead, they help you to compare offers from others and show you a wide range so you can make a decision that works for you. This company works for people who want a comprehensive comparison of mortgage loans from an array of  providers or direct lenders. If you enjoy shopping around but want to simplify the process, Home Loan Analyst is for you.

Types of Loans/Products

Home Loan Analyst gives you personalized offers from it's partners. They also help you refinance your home, saving you money while you repay your loan. You can generally choose from several home equity loan and refinance options from 5-7-year adjustable rates to 10-30-year fixed mortgages.

You can find a full breakdown of Home Loan Analyst’s recent purchase and refinancing options below:

  • Fixed-rate loans with terms up to 30 years
  • Adjustable-rate loans up to 7 years
  • FHA and VA loans where you pay less than 20% down
  • HELOCs and home equity loans
  • Cash-out refinancing that lets you retain 20% equity
  • Loan amounts up to $3 million

The Process

Home Loan Analyst has a simple online process. When you input your information online, they’ll let you know what types of loans and refinancing options may be suitable for you. At the end of the process, you get products that match your personal and financial situation.

Follow these steps to get started with Home Loan Analyst:

  1. Complete their online questionnaire with some basic information like the type of home you’re looking for, how you intend to use property, the estimated purchase price of the home, and your credit score
  2. Their proprietary system automatically processes the information and shows you lenders that match your needs based on the information you gave
  3. Once you have an option in mind, speak with a representative to select a product that works for you

Rates and Fees– The Bare Basics 

Home Loan Analyst is free for consumers to use. They don't do any lending themselves, so they only list the rates that are available in their netowrk of lenders.

However, while you may not have to pay any fees to the marketplace, direct lenders may have fees you have to cover on your own. These fees may include:

  • Service fees
  • Home appraisals
  • Title fees

Repayment Terms

When you use Home Loan Analyst, you will likely see a variety of options to pay back your loan with terms that suit your personal situation. Your repayment terms will vary based on the type of loan you accept if you get approved. 

You can generally expect your terms to be similar to these:

  • Fixed rate mortgage: 10-30 years
  • Adjustable rate mortgage: 5-7 years before you can adjust to a new rate based on market interest rates
  • FHA and VA loans: Varies based on terms
  • Home equity loan: Varies depending on set payment terms when you qualify

With the loans Home Loan Analyst finds, your terms will depend on the lender and other negotiated items. .

Help & Support

You can contact the company anytime by calling their phone number or using the contact form on their website. During our Home Loan Analyst review, we found the support team does not have an email address listed on the site.

Phone: (970) 426-0244

How This Company Compares

Home Loan Analyst prides itself on offering access to mortgage loans from its network that you’ll want to recommend to friends and family. Here is how they compare to other companies that offer similar services.


Home Loan Analyst Credible Rates Marketplace
Minimum Credit Score 500 500-620 500
Minimum Down Payment Varies by loan typeVaries by loan typeNot specified
Fees None None Not listed
Terms 10-30 years, depending on loan type 10-30 years 15-, 20-, or 30 years

Summary

Formed by a team of financial services professionals, Home Loan Analyst helps you to compare mortgage loans, home equity loans, and refinancing options. With a fast, online proccess and competitive APRs, they give you personalized options that work for your specific situation.

By tailoring your options and matching you with lenders that give you great rates and terms, Home Loan Analyst wants to make finding a lender more convenient with a broad array of mortgage options. 

FAQ

Does Home Loan Analyst affect my credit score?

No, using Home Loan Analyst will not impact your credit score. The company itself does not do hard pulls on your credit. However, if you accept a loan offer through one of its partners, that lender will do a hard pull, which will be visible on your credit report. Home Loan Analyst does, however, conduct a soft credit pull in certain circumstances. Soft credit pulls do not impact your credit score.

Does Home Loan Analyst offer government-backed loans? 

Yes, the company works with a large network, which includes providers of government-backed VA and FHA loans.

Is Home Loan Analyst biased toward specific partners? 

Home Loan Analyst may recieve compensation from the firms with which it works. Because their goal is to help you get a suitable mortgage loan through their network, they focus on you as their priority.

When should I start looking at mortgage rates with Home Loan Analyst?

You do not have to be ready to buy a home to shop for mortgage rates with Home Loan Analyst. You can use their online questionnaire to understand the mortgage lending process and talk to their representatives about your options before you start looking at homes.

Physical Address 

835 Main Ave

Suite 205

Durango, CO 81301

Home Loan Analyst Home Loan Analyst Visit Home Loan Analyst

Home Loan Analyst customer testimonials

AverageReviews 38
TrustPilot is the world’s most powerful review platform, free and open to all.
Excellent
26%
Great
8%
Average
5%
Poor
13%
Bad
48%
  • author
    Rafael Perez
    Apr 11, 2021
    Very professional people taking care of…

    Very professional people taking care of me and acting faster than any other dealers to getting us car thanks.

    ...

  • author
    Linda Hall
    Apr 10, 2021
    They weren’t able to make a loan for me…

    They weren’t able to make a loan for me in this time of need there it’s not fair that my credit score is low do to people you hire as attorneys for bankruptcy have not taken everything I have payed for off of the record now I have a low score because if that bankrucpy is over with and done and Iam still paying for my mistakes

    ...

  • author
    Wendy Smentek
    Apr 10, 2021
    Very professional and diligent and…

    Very professional and diligent and basically is willing to work with all types of Mortgage Situation and to me that makes this company stand apart from the competition today with the rates. No need to jump through hoops this company jumps the hoops for you!!!! Totally Impressed

    ...

  • author
    Abdel Nedjraoui
    Apr 09, 2021
    Just starting process

    Just starting process

    ...

  • author
    Renzo Berardi
    Apr 09, 2021
    I don’t like being deceived

    I don’t like being deceived. I don’t think it was truthful advertising by stating my current mortgage company to deceive me in thinking they were contacting me.

    ...

Home Loan Analyst