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Interfirst mortgage review

Offering conventional purchase and refinance mortgages with zero application, underwriting and processing fees, and zero points.

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Loan products offeredConventional
Minimum credit score620
Minimum down payment (Conventional)5%
State availabilityAL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, IL, IN, KS, LA, MD, ME, MI, MN, MO, MS, NH, NM, OH, OK, OR, PA, RI, SD, TN, TX, UT, VA, WI, WV, WY
NMLS #7872


  • Offers competitive rates
  • No application or processing fees
  • Mostly positive customer reviews
  • Credit check not required to see your rates
  • Streamlined online application powered by Blend software


  • Has conventional loans only
  • Need to fill out an application to see your rates
  • No information about loans online

Our take on Interfirst

Interfirst is an online-only fintech lender best for borrowers looking for a digital mortgage application process that doesn’t require an in-person visit or calling a loan officer first. Unlike other lenders, there are zero application fees with an Interfirst mortgage, though you’ll pay the standard closing costs in your state.

While Interfirst is strictly an online lender offering over-the-phone and online support, past customers give Interfirst overwhelmingly positive reviews, mentioning fast and smooth processes and low fees and competitive interest rates. While the company has a 22-day average closing time, some customers have complained about slow closings that dragged out longer than expected.

To get started applying for a mortgage and to see your available rates, you’ll need to visit the Interfirst website and begin an application. You can also call the company if you’d rather talk to a loan officer and start an application over the phone.

Lending requirements are standard

Compared to other lenders, Interfirst’s lending requirements on single-family homes, multifamily homes, townhouses and condos are standard for the industry.

Interfirst requires:

  • A minimum 620 credit score.
  • A debt-to-income (DTI) ratio of 45% or less.
  • A $100,000 minimum loan amount.

Special discounts and features

  • Buy down interest rates. Depending on the interest rate chosen, Interfirst allows clients to buy down their rate, or to buy it up and get a lender credit.
  • Free rate locks. Interfirst states that it doesn’t charge for rate locks but doesn’t specify how long the lock period is. Contact the company for more information.

Fees are lower to competitors

Unlike many other mortgage lenders, Interfirst doesn’t charge any application, underwriting or lender fees. These fees are also known as “origination fees,” which can run into the hundreds or thousands of dollars depending on the lender and your credit profile. It also doesn’t charge for rate locks.

But you’re still responsible for paying closing costs, which vary by state you’re buying a home in, and any applicable third-party fees, such as for an appraisal and credit report. This is standard across all mortgage loans, although you can often save on these fees by shopping around, comparing lenders and negotiating with your loan officer.

Interfirst reviews are mixed but lean mostly positive

Interfirst has been accredited with the Better Business Bureau (BBB) since 2020 and earns an A business rating for how it’s handled around 30 complaints over the past three years. Several hundred customers on the site also give Interfirst an overwhelmingly positive rating, which is unusual for a financial services company.

The company also has a handful of reviews on Yelp, but these are less positive. Overall, satisfied customers mention smooth and straightforward processes, professional loan officers and fast processing times. Unhappy customers mention weeks- or months-long delayed closings, the same paperwork being requested multiple times and processing errors.

7 steps to getting a mortgage with Interfirst

Follow these steps to get started with a new Interfirst mortgage or refinance loan:

  1. Visit the Interfirst mortgage website and select Retail from the top menu.
  2. Choose Buy a Home or Refinance to begin the application process.
  3. Follow the prompts to get a verification code on your phone and view your rates.
  4. Select See If I’m Approved to continue the application.
  5. Fill out the application with your personal details, Social Security number, new property and current home information, income, down payment source and assets.
  6. Accept the declarations, review the application and submit it by selecting Everything Is Correct.
  7. Compare your available terms and finish completing the online application. Once the application is complete, submit it and wait for a loan officer to contact you.

Documents you’ll need

While Interfirst doesn’t specifically list its documentation requirements, be prepared to provide:

  • Government ID and Social Security number.
  • Recent pay stubs from your job and any other sources of income.
  • Employment history for the past two years.
  • Last two years’ W-2s and/or 1099 forms.
  • Last two years’ tax returns.
  • A list of your assets.

If you’re self-employed, you’ll also need:

  • Last two years’ business federal income tax returns.
  • A year-to-date profit and loss statement.
  • Current balance sheet.

Interfirst’s loan options are limited

Compared to most other lenders — Interfirst’s retail loan options are limited, offering only conventional loans for purchases and mortgage refinances. If you’re after a low down payment government-backed FHA, VA or USDA loan, home equity loan or specialized first-time homebuyer program, you’ll need to look elsewhere.

Alternatives to Interfirst

Interfirst’s options are limited to conventional loans only. If you need more options, lenders like Stearns Lending, Draper & Kramer Mortgage and North American Savings Bank have a much wider range of loans and excellent reviews from thousands of customers. And digital lenders like Better or Beeline offer a few more loan types than Interfirst and also don’t charge origination fees.

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3 fast facts about Interfirst

  1. Interfirst can offer a rate quote without pulling your credit.
  2. Interfirst is a fintech mortgage company that utilizes best-in-class Blend software for a fully digital applications process.
  3. Interfirst has experienced licensed mortgage loan officers that can help clients all the way through the mortgage process.

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