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The bottom line: Wyndham Capital Mortgage Mortgages – Product Name Only is a solid online lender with great customer reviews and a tech-focused approach to the mortgage process. But its mortgage offerings are fairly basic.
Overall lender rating
FeatureInsider rating (out of 5)Loan types3.5Affordability4Customer satisfaction4.84Trustworthiness5Total4.34
Pros and cons
ProsCons
Offers a completely remote closing experience in states that allow digital closings
Doesn’t charge lender fees
Get a $5,000 credit if the lender fails to close your loan on time
Loan options are somewhat limitedYou’ll need to provide contact information to see ratesMortgages aren’t available in Hawaii, Massachusetts, or New York
Wyndham Capital Mortgage interest rates and fees
Wyndham Capital Mortgage doesn’t display any sample rates on its website. To get a customized rate quote, you’ll need to provide some basic information about your situation and your name, email, and phone number.
According to its website, Wyndham Capital doesn’t charge any lender fees, including junk fees, application fees, processing fees, or underwriting fees. Keep in mind, though, that you will still need to pay third-party fees as part of your closing costs.
Compare to other mortgage lenders
Wyndham Capital Mortgage vs. Rocket Mortgage
Wyndham Capital Mortgage
Rocket Mortgage
Types of mortgages
Conforming, FHA, VA, USDA, jumbo
Types of mortgages
Conforming, FHA, VA, jumbo
Standout feature
Digital closing
Standout feature
Customer service
Wyndham Capital Mortgage Mortgages – Product Name OnlyRocket Mortgage by Quicken Loans – Product Name Only
Rocket Mortgage and Wyndham Capital both have similar mortgage offerings and emphasize a convenient online experience. Rocket is one of our favorite mortgage lenders and our top pick for refinancing. It also earned the No. 1 spot in J.D. Power’s 2022 US Mortgage Origination Satisfaction Study, which measures customer satisfaction.
If you’re looking for a USDA loan, Wyndham Capital would be the better choice between the two, since Rocket Mortgage doesn’t offer these types of mortgages. You might also prefer Wyndham Capital if you want a fully remote digital closing.
Wyndham Capital Mortgage vs. Carrington Mortgage Services
Wyndham Capital Mortgage
Carrington Mortgage Services
Types of mortgages
Conforming, FHA, VA, USDA, jumbo
Types of mortgages
Conforming, FHA, USDA, VA, jumbo, Carrington Flexible Advantage
Standout feature
Digital closing
Standout feature
Carrington Flexible Advantage mortgage
Wyndham Capital Mortgage Mortgages – Product Name OnlyCarrington Mortgage Services – Product Name Only
Carrington Mortgage Services is an excellent choice for borrowers with low credit scores or rocky credit histories. Carrington accepts scores as low as 500 on some of its mortgages. With its Carrington Flexible Advantage loan, borrowers with recent events such as bankruptcy or foreclosure on their credit reports may still qualify for a mortgage.
Those who have slightly higher scores may prefer Wyndham Capital for its convenient online process or lack of lender fees. And FHA borrowers can get a mortgage from Wyndham with scores as low as 580.
How Wyndham Capital Mortgage works
To get a mortgage with Wyndham Capital Mortgage, you’ll start an application online. You can also connect with a loan officer over the phone if you prefer.
Wyndham Capital mortgages are available in 47 states and Washington, DC. You can’t get a mortgage from this lender in Hawaii, Massachusetts, or New York.
Wyndham Capital Mortgage offers conforming, FHA, VA, USDA, and jumbo mortgages.
Borrowers in states that allow remote notarization can complete their closing with this lender digitally, meaning you won’t need to sign any documents in-person. Wyndham Capital guarantees a $5,000 closing cost credit if it is at fault for your not closing on time. To be eligible for this credit, you’ll need to meet certain conditions including providing documentation within a certain timeframe.
Wyndham Capital doesn’t charge lender fees.
Is Wyndham Capital Mortgage trustworthy?
Wyndham Capital Mortgage currently has an A+ rating from the Better Business Bureau. BBB ratings are based on responses to customer complaints, honesty in advertising, and transparency about business practices.
On its Zillow lender profile, Wyndham Capital has a 4.84 out of 5-star rating, based on 1,416 online customer reviews.
Wyndham Capital Mortgage FAQ
Who owns Wyndham Capital Mortgage?
Wyndham Capital Mortgage was founded in 2001 by current CEO Jeff Douglas.
How many employees does Wyndham Capital have?
According to its website, Wyndham Capital currently has 350 employees.
Is Wyndham Capital a direct lender?
Yes, Wyndham Capital is a direct mortgage lender. This differs from a mortgage broker, which is a professional who works independently and helps borrowers compare offers from multiple lenders.