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Wyndham Capital Mortgage Review 2024

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At a glance

Wyndham Capital Mortgage
NMLS: 2948
Editor's take

Wyndham Capital Mortgage was acquired by SoFi in 2023.

Bankrate Score
Info
4.1
Rating: 4.1 stars out of 5
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Bankrate Score

Customer Rating
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3.4
Rating: 3.4 stars out of 5

5 ratings

Mortgage Percent

Loans offered

Conventional, jumbo, FHA, VA, USDA, refinancing and more

Credit Good

Min. credit score required

620 for conventional loans, 600 for VA loans, 580 for FHA loans

Location

Nationwide availability

All U.S. states

Dollar Coin

Min. down payment

3% for conventional loans, 3.5% for FHA loans, none for VA loans

At a glance

Wyndham Capital Mortgage

NMLS: 2948

4.1

Rating: 4.1 stars out of 5
  • Star
  • Star
  • Star
  • Star
  • Star
  • Star Empty
  • Star Empty
  • Star Empty
  • Star Empty
  • Star Empty

Bankrate Score

Mortgage Percent

Loans offered

Conventional, jumbo, FHA, VA, USDA, refinancing and more

Location

Nationwide Availability

All U.S. states

Credit Good

Min. credit score required

620 for conventional loans, 600 for VA loans, 580 for FHA loans

Wyndham Capital Mortgage overview

Wyndham Capital Mortgage was a digital lender established in 2001 and based in Charlotte, North Carolina. It was acquired by SoFi in 2023.

Pros and cons of Wyndham Capital Mortgage

Pros
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    $5,000 closing guarantee (via SoFi)

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    No origination fees

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    Fast online prequalifications

Cons
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    No branch locations

Our Editor’s Take on Wyndham Capital Mortgage

Wyndham Capital Mortgage was acquired by SoFi in 2023.

How to apply for a mortgage with Wyndham Capital Mortgage

You can no longer apply for a mortgage with Wyndham Capital directly, but you can apply with SoFi via its website or app. You can also call 833-408-7634 Monday through Friday from 8 a.m. to 8 p.m. CT, or Saturday, 10 a.m. to 2 p.m. CT. Here are some tips to prepare for the process:

  1. Check your credit report: It’s important to check your credit report before your lender does, in case there are errors that could impact not only whether you get preapproved but also your ability to get the best mortgage rate. Knowing your credit score also helps you decide what type of loan to apply for. If your score is in the very low 600s, for instance, an FHA mortgage might be best for you, as its standards are more lenient than those for conventional loans.
  2. Gather documentation: With any lender, you must supply documentation about your income, assets and debts. This includes pay stubs and W-2s and account and loan statements.
  3. Submit your application: You’ll need to provide the address of the home and submit to an appraisal. (If you’re refinancing, you might or might not need an appraisal.)

Refinancing with Wyndham Capital Mortgage

Since it was acquired by SoFi, you’re no longer able to refinance through Wyndham Capital Mortgage directly. However, you can refinance through SoFi if you live in a state where the lender operates. SoFi offers both rate-and-term refinances and cash-out refinances, so consider what your goals and reasons for refinancing are before applying.

Wyndham Capital Mortgage customer ratings and reviews

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NMLS: 2948

3.4

Rating: 3.4 stars out of 5

5 ratings

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This lender has 0 recent reviews.

Knowledge
Rating: 3.4 stars out of 5
Level of service
Rating: 3.4 stars out of 5
Professionalism
Rating: 3.6 stars out of 5
Responsiveness
Rating: 3.4 stars out of 5
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60%
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40%

60% of customers would recommend this lender.