Hearthstone Home Loans
Hearthstone 30-Year Fixed
Best for first-time buyers 8.9 / 10
Hearthstone is built around the first purchase: low down payment paths, a real closing-cost credit, and FHA acceptance for thinner credit files. The origination fee is the main number to negotiate.
Pros
- ✓Closing-cost credit for first-time buyers is real money
- ✓Multiple low-down-payment paths including FHA
- ✓Free 60-day rate lock with float-down protection
Cons
- ✗Origination fee where some lenders charge none
- ✗Jumbo loans not offered
Key facts
- APR
- 6.38% (6.52% APR)
How we scored it
- Rates and fees 8.6
- Approachability 9.2
- Process 8.8