Would work with Zillow again! We were looking to refinance and happen to call Zillow due to their lower rates. Initially worked with Randy - he was great talking us through the process. We didn’t bother to call any other lenders. Paul helped us through closing - he was great too. Everything was as described and no surprises whatsoever, closed quickly. I’d gladly choose Zillow again!

Steer clear of Zillow! Check your escrow carefully!! The process to get the loan (and my business) was quick and easy. Little did I know, they must have done it too fast and screwed up my escrow. They did not put enough money towards it and did not include my flood insurance even though it’s paid through the mortgage. After a year of having the loan, the escrow analysis shows I have such a great shortage that I have to know pay over $1200 a month more for 12 months!! This is fraudulent! I will never do business with Zillow again and recommend you steer clear.

Phu is the best! We had a wonderful time working with Phu! We were first time home buyers and Phu was quick to answer any questions we had at any time of the day and helped us to find the best options for our needs! We both work quite a bit and his flexibility and availability was really helpful. Would recommend him to anyone I know looking for assitstance with a mortgage!

This has been the most horrific, unethical, SHAMELESS… This has been the most horrific experience with a financial institution ever. A refinance has literally taken over 7 months and they are still gaslighting and breaking every fair lending practice. In the beginning of December 2020 I interviewed and was promised a thirty-day closing, despite the IRS being closed and adversities with forbearance. The first loan officer, Marcus Anderson messed my loan up so bad, the paperwork was never submitted! Thirty-days led to virtually ninety-days! The day before closing I was informed, by a completely different department, that Marcus Anderson had never even performed the "Intent to Proceed Form"! This is basically the initial engagement! The most remedial portion of my loan was not completed by my "licensed loan officer". He literally did not submit the paperwork to even start my loan. So, three months into the process, Zillow Home Loans, LLC. attempted to cancel my lock, raise my rates and charge me to start all over again! When I contacted the DFPI they suddenly were willing to allege they would "honor the rates and original terms". My loan was transferred to a "more seasoned agent", Ben White, who predicted we would close by April 9, 2021; NOT EVEN CLOSE! So, another three months of jumping through hoops, following instructions to the "T', calling my lending institutions daily and Zillow reverts back to gaslighting. I am told in May, after literally, dozens of confirmations we were closing after additional payments are made to two different lenders! AFTER forbearance payments are made, Zillow Home Loans, LLC REFUSES TO CLOSE my loan because of misinformation regarding forbearance payments. Written emails and recorded phone calls from their "licensed loan officer" proves I followed his instructions to the 'T' and still no close! So ZILLOW HOME LOANS, LLC's next move....just stop responding to my calls! Literally a month later and zero communication. A new complaint filed with the CFPB and another complaint with the DFPI, in an effort to have my original lock and promised concessions honored and my loan processed. Rates have gone up almost 1.5 points, I removed my forbearance and paid my loan to almost $20k! This company is as bigoted and backward as they come. Be prepared for unethical, inept and demeaning interactions. Document ever conversation in writing, you will need every shred of evidence to hold this entity to their word; It's June 6, 2021

They refused to give me loan… They refused to give me loan to buy pillows.