Movement Mortgage review 2026

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The Yahoo Finance view: Movement Mortgage promotes itself as an “impact lender,” allocating 40% to 50% of its profit to improving the communities where it lends. While they offer a wide range of purchase and refinance products, they’re big on message but short on information buyers need — like rates, fees, and more.

Founded in 2007 and now offering mortgage loans in all 50 U.S. states, Movement Mortgage is a mortgage lender with a lot going for it. The company earns a top-five customer satisfaction rating from J.D. Power — a definite plus since mortgage loans can come with their fair share of hassle.

This mortgage company might also be a first-time buyer’s paradise. Offering a solid selection of low-down-payment products with flexible qualification criteria like VA loans, FHA loans, and Fannie Mae HomeReady®, Movement may be able to help you get into a home for less than you would think.

But we’ll put this thought out front: We always have a bit of a problem with lenders who don’t publish sample rates on their websites. Movement Mortgage falls into this category. With such a high customer satisfaction score, however, it seems customers don’t mind as much as we do.

If you’re buying a house in early 2026, here’s what you’ll need to know.

Key benefits

Need to know

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Movement Mortgage offers:

Movement Mortgage does not offer:

Learn how manufactured homes work and how to finance them.

If you’re a first-time home buyer or haven’t taken out a Federal Housing Administration (FHA) loan in at least three years, Movement Mortgage can help. Movement offers both purchase and refinance FHA mortgage products; purchase loans require a mere 3.5% down payment, and those who currently have an FHA mortgage can use an FHA Streamline Refinance to lower their rate.

If that 3.5% down payment still seems out of reach, Movement could help you with that too. Their Movement Boost program gives qualified buyers down payment assistance that may cover the entire 3.5% figure. You’ll need a 600 FICO score to qualify for Boost (640 if buying a manufactured home), but the program doesn’t have income limits (yay). Unfortunately, borrowers in New York don’t qualify, and you’ll need to use the funds toward your primary residence.

The website lacks information about Movement’s minimum credit score for FHA loans, but you can always speak with a loan officer in your area for more information.

MORE: Discover our picks for the best FHA lenders.

If you have a VA Certificate of Eligibility (COE)) or qualify to receive one, you may be eligible for a VA loan through Movement Mortgage. Offering both 15-year and 30-year fixed-rate VA loans, Movement sets its minimum borrower FICO score at a very liberal 580 for loans up to $1 million. They’ll lend up to $2 million, but loans that large require a FICO score of 680.

If you’re currently in a VA mortgage and want to refinance, Movement also offers VA mortgage refinancing to lower your interest rate. You can do either a rate-and-term refinance to lower your interest rate or use the VA’s cash-out refinance option to tap your equity. Some borrowers may qualify to cash out 100% of their home equity. Be sure to ask your loan officer for details.

MORE: Shop here for a selection of the best VA loan lenders.

If you’re looking for a home equity loan or a home equity line of credit (HELOC), Movement Mortgage has you covered.

HELOC and HEL applications are 100% online and have generous credit line limits — up to $750,000 on the HELOC, and $350,000 for the HEL — which naturally depend on your home equity. Your credit line is also renewable, meaning you can redraw up to 100% of your credit line once you repay your initial draw in full.

While they don’t publish rates and fees on their website, we can tell you that rates on both products are fixed. The company also boasts approval times as fast as five minutes and funding in as few as five days. Naturally, your experience may differ since approvals and funding depend on your unique financial circumstances.

Ah, yes. Interest rates. The upshot? Your guess is as good as ours.

Movement Mortgage doesn’t publish sample interest rates on their websites. We also can’t find any information on loan origination or lender fees, which makes comparison shopping tough.

To get sample rates, you’ll need to connect with a loan officer or start the online application process. And yes, the online option requires you to provide a decent amount of personal information (assets, veteran status, income, etc.). Apologies to those who prefer a less intense path to rates and fees.

Yahoo Finance uses 2024 Home Mortgage Disclosure Act data from nearly 5 thousand home loan companies to score mortgage lenders on issued mortgage rates and total loan costs. We score each lender on a scale of 1 (lowest) to 5 (highest).

With mortgage rates, a lender with a lower score charged a higher-than-median mortgage interest rate for loans issued in 2024. A higher score indicates that a lender granted borrowers lower-than-median home loan interest rates in 2024.

With total home loan costs, a lower score would indicate that a lender charged higher-than-median total home loan costs in 2024. A high rating would mean a mortgage lender offered lower-than-median all-in home loan costs in 2024.

Movement Mortgage home loan rates score: 2 out of 5 stars

Movement Mortgage total loan costs score: 2 out of 5 stars

What this means: Movement Mortgage offered a higher-than-median mortgage rate of 6.625% and a higher-than-median total loan cost of $7,182.81 to borrowers in 2024.

You have two options for applying for a mortgage with Movement: Go through a local loan officer or use their online application.

If you go through a local loan officer, you can click the “Find a Loan Officer” button that pops up on nearly every page of their website. From there, you’ll land on a search page. Just type in your address, and you’ll get a list of loan officers in your area, including the addresses of local Movement Mortgage branch offices.

To apply online, you can click the “Apply Now” button. That will take you to a secure application website where you can input various financial and demographic criteria. Then, Movement will show you sample rates and mortgage products based on your finances and interest.

Unfortunately, there’s no way to solely get preapproved for a mortgage with Movement online. You can start a mortgage application by clicking the “Apply Now” button on various pages of the site. However, there’s nothing that explicitly points to a preapproval.

Our best tip? Connect with a human at Movement to see what their mortgage preapproval process entails.

One area where we find Movement Mortgage lacking is its home-buyer tools. While it offers a blog and some helpful calculators — mortgage, affordability, and refinance — it doesn’t have a resource library at all. To find the calculators, go to “Home Loans,” and look below the loan options and contact form.

Learn how mortgage lender fees differ from other closing costs.

Movement Mortgage and Fairway Independent Mortgage each offer down payment assistance for qualified first-time homebuyers. Movement does this through Movement Boost, whereas Fairway uses its Fairway Community Access™ program. Neither program has income limits, but their assistance limits vary. Movement offers assistance up to the full 3.5% down payment for FHA loans, Fairway caps its assistance at $7,000; Movement offers up to the full 3.5% down payment for FHA loans, but this program is limited to FHA loans.

In the customer service realm, Fairway comes in at the No. 7 spot on J.D. Power’s 2024 Mortgage Originator Satisfaction Survey, compared to Movement Mortgage’s No. 2 ranking.

Fairway Independent Mortgage review

Rocket Mortgage also offers down payment assistance to first-time home buyers. Its One+ program allows borrowers to get conventional loans with only 1% down.

Movement Mortgage will cover your total 3.5% down payment on an FHA loan, so the choice may come down to whether an FHA loan versus a conventional loan is better for you. Each comes with its own requirements, interest rates, and fees.

Movement offers more loan options than Rocket Mortgage, including USDA loans.

Rocket Mortgage review

Movement Mortgage is an FHA lender with extra perks available to qualified borrowers, like down payment assistance through Movement Boost. Movement also has hundreds of branches nationwide, making it easy to have a personal touch during your application process.

Pennymac is the nation’s largest FHA lender, with some buyer perks that Movement just can’t touch. Pennymac also offers a 1% discount on your mortgage rate for one full year. And if you use an affiliated real estate agent, you could earn $350 to $9,500 cash back at closing.

Pennymac mortgage review

Movement Mortgage is a reputable company, established in 2008. It currently offers loans in all 50 states and earned above-average satisfaction marks from J.D. Power in its 2025 survey of mortgage lenders.

Movement Mortgage identifies as an impact lender that invests 40% to 50% of its annual profits in community-based programs.

Movement Mortgage was founded in 2008 and currently has more than 4,500 employees across 775 locations in the U.S.

Methodology:

ahoo Finance reviews mortgage lenders based on five primary considerations: 1) Interest rates. Using 2024 Home Mortgage Disclosure Act data from almost 5,000 mortgage companies, we analyze mortgage lenders based on issued mortgage rates below or above the annual median of reporting lenders. 2) Affordability. A measure of loan product availability and the willingness of a lender to offer government-backed loans, low down payments, down payment assistance, and consideration of nontraditional credit. 3) Loan costs. HMDA data is again analyzed, and total loan costs are compared to the annual median. 4) Rate transparency. The ability of a website user to obtain a mortgage interest rate estimate. We also consider whether rates are enhanced with discount points or high credit score requirements, disclaimers revealing rate assumptions, sample advertised rates, and whether adjustable or no discount point rate estimates are available. 5) Online features. An analysis of the educational material, calculators, and additional resources available to users.

Advertisers or sponsorships do not influence ratings.

Editorial disclosure for mortgages:

The information in this article has not been reviewed or approved by any advertiser. The details on financial products, including interest rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the lender’s website for the most current information. This site doesn’t include all currently available offers.

Laura Grace Tarpley edited this article.

 

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