Best mortgage lenders of October 2024

• Availability: All. U.S. states
• Loans offered: Conventional, jumbo, FHA, VA, USDA
• Credit requirements: 620 for conventional loans, 580 for FHA and VA loans
• Down payment minimum: 3% conventional loans, 3.5% for FHA loans, none for VA and USDA loans
• Where to find: Online

First Mortgage Direct gets higher scores thanks to no origination fees and an array of loan options available to borrowers across the U.S.