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Wyndham Capital Mortgage Review

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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.

Michael Graw
Michael Graw
Dec. 21, 20204 min read

Wyndham Capital summary

Wyndham Capital Mortgage is a North Carolina-based mortgage and refinance lender founded in 2001. The company has funded over $18 million in loans and has a 98% customer satisfaction rating on LendingTree. Wyndham Capital Mortgage’s application and signing processes take place online. Most mortgages close in just a few weeks and the company offers $10,000 if your closing is late. There is no minimum credit score required to apply for a mortgage.

Pros

  • On-time closing guarantee
  • Fully online application and closing process
  • Transparent rates and pricing

Cons

  • Cannot apply for or close your loan in-person
  • Doesn’t offer USDA mortgages

Wyndham Capital Mortgage at a Glance

Direct lender or marketplace?Direct lender
Loan typesConventional, jumbo, FHA, VA, refinance
Loan amountVaries by location
Repayment terms15, 20, 30 years+
Minimum down payment3%
Minimum credit scoreNone
Suitable forFully digital mortgage process

Wyndham Capital Wyndham Capital Visit Site

Overview

Wyndham Capital Mortgage is a North Carolina-based lender that operates in 45 states and has funded more than $18 million in loans since its founding in 2001. The lender offers a wide range of mortgages and refinancing options, including both fixed-rate and adjustable-rate mortgages.

A big part of what makes Wyndham Capital Mortgage stand out is its fully digital lending process. You can get a rate quote, apply for pre-approval, and close your loan online. You have the option to talk to a loan officer at any time, but there are no physical branches for in-person help.

Wyndham Capital Management can typically close a mortgage in just a few weeks. The company also guarantees on-time closing and offers a $10,000 bonus if your signing is late.

Suitable For?

Wyndham Capital Mortgage is most suitable for homebuyers who want an all-digital mortgage experience. The company allows you to not only get a quote and pre-approval online but also to close your mortgage with an e-signing instead of a traditional paper signing.

Another benefit to Wyndham Capital Mortgage is that this lender doesn’t require a minimum credit score. You must have a score of 580 to apply for an FHA loan, but you can qualify for a conventional mortgage with a credit score of 500 or lower.

Wyndham Capital Mortgage can also be a good option for buyers and refinancing homeowners who want to close quickly. This lender beats the industry average time-to-closing in 60% of cases and offers an on-time closing guarantee.

Types of Loans/Products

Wyndham Capital Mortgage offers both mortgages and refinancing. You can choose between conventional, jumbo, FHA, and VA mortgages, although the company doesn’t offer USDA mortgages. You can also choose between a fixed-rate or adjustable-rate mortgage and the lender allows you to purchase points to reduce your rate.

  • Rates from 2.118% APR
  • Minimum 3% down payment
  • No minimum credit score required
  • 15, 20, and 30-year terms
  • On-time closing guarantee

The Application Process

The Wyndham Capital Mortgage application process is entirely online. You’ll need to input details about yourself, your finances, and the home you’re interested in buying. You can submit all required supporting documents, such as pay stubs and tax returns, online. If you need help at any point during the process, you can get in touch with a loan officer by email or over the phone.

Repayment Terms

Wyndham Capital Management offers fixed-rate and adjustable-rate mortgages with 15, 20, and 30-year terms. You can get a personalized rate quote online in minutes, and the lender is transparent about how much it costs to purchase points that reduce your interest rate. For a $550,000 home in Washington, Wyndham Capital Management offers rates as low as 2.118% APR for a 15-year mortgage or 2.742% APR for a 30-year mortgage.

Help & Support

You can get in touch with a Wyndham Capital Mortgage loan officer by email or over the phone. Support is available from 8 am-5:30 pm (ET) Monday-Friday.

Phone: (888) 923-9911

Email: welcome@wyndhamcapital.com

Summary

Wyndham Capital Mortgage offers a fully online process for setting up your mortgage or refinance loan. The lender offers a wide range of mortgages with fixed or adjustable rates. You can get a rate quote online in minutes and easily contact a loan officer for help with the application process. Wyndham Capital Mortgage typically closes mortgages faster than the industry average and offers a $10,000 bonus if your closing is late.

FAQs

Can I close my mortgage in person?

Wyndham Capital Mortgage is fully digital, so you must e-sign documents to close your mortgage. The lender does not offer in-person closing.

Is Wyndham Capital Mortgage available in all states?

Wyndham Capital Mortgage operates in 45 states. Mortgages are not available in New York, Hawaii, Alaska, Massachusetts, or North Dakota.

What documents do I need to apply for a mortgage?

You will need to provide proof of income, tax returns, and documentation of any outstanding debts.

Can I be pre-approved for a mortgage with Wyndham Capital Mortgage?

Yes, Wyndham Capital Mortgage offers pre-approval, so you can shop for a home with an offer already in place.

Physical Address

Wyndham Capital Mortgage, 4064 Colony Rd. Morrocroft 2, Floor 2, Charlotte, NC 28211

Wyndham Capital Wyndham Capital Visit Site

Methodology

This review was created using information from the Wyndham Capital Mortgage website and LendingTree.

 

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites.

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