Home Lending

What is Wealthfront Home Lending?

Wealthfront Home Lending, LLC is a licensed mortgage lender that currently offers home loans in Colorado, Texas, and California.

What documents do I need for my application?

During the application process, we'll ask for documents to verify income, credit, and assets, like recent paystubs, bank account statements, identity documents and property information.

Our self-serve experience will walk you through gathering any necessary documentation. You also have a team of loan professionals in your corner if any questions come up.

How do I get a pre-approval letter?

Your pre-approval letter will be ready once your information is reviewed and pre-approved. It will state the maximum purchase price and loan amount for which you are pre-approved based upon the information you have provided to us. . You can customize your pre-approval letter for each home you want to make an offer on (subject to the maximum amounts for which you have been pre-approved). 

How can I get my rate?

Submitting your initial financial information during the intake process is the best way to get an accurate rate quote. We'll run a soft credit check with your permission, which doesn't impact your credit score. When you're ready to proceed with a formal loan application, you'll submit certain documents, like paystubs and bank statements, to verify the information you provided and review your rate options and rate lock availability.

Will I have a point of contact?

Yes! After you complete the intake process and submit a request for pre-approval, you will be introduced to your dedicated loan officer. You can always email or text them, or utilize the scheduling tool to arrange a convenient phone call. 

I’m a real estate or title agent. How can I get in touch with Wealthfront Home Lending?

Email us at homelending@wealthfront.com and we’ll be glad to help. If you are working with a client who has already been assigned a loan officer, you can contact that loan officer directly.  

Where is Wealthfront Home Lending available?

Wealthfront Home Lending is currently available in Colorado and Texas for all Wealthfront clients with expansion to California to launch soon. We're continuing to expand across the nation this year, so if you're a future homebuyer, or are looking to refinance, visit our website, sign up for our waitlist and we'll let you know when we're in your neck of the woods. 

What types of mortgages does Wealthfront Home Lending offer?

Subject to certain limitations, we are currently offering conventional conforming and jumbo loans. You can get a loan to purchase or refinance existing single-family homes, condominiums, and multi-family properties (up to 4 units), whether you plan to live there, have it as a second home, or use it as an investment. 

Whether you’re purchasing or refinancing, we’ll help you find the loan that’s right for you.

Do you offer construction loans?

We don't currently offer construction loans. 

Do you offer cash out home loans?

Yes. Cash-out refinancing can be a way to leverage your home’s equity. 

How does my credit score affect my loan options?

For a conventional mortgage, most lenders require a minimum credit score of 620 (for conforming loans) and 660 (for jumbo loans), while better rates are typically available for those with higher credit scores. 

Is my information safe?
Please view our privacy policy here. 

How quickly can I close?

Closing generally happens 3 to 5 weeks after you go under contract on a property and your application is received. The actual time to close is influenced by a number of factors and will be communicated clearly by your loan officer and real estate agent.