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Interfirst Review
Interfirst Review
June 21, 2022 / staff
Interfirst Review
June 21, 2022 / staff
Looks beyond credit score and DTI
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At a Glance

Interfirst Mortgage is an online-only retail loan originator operating nationwide. Its digital approach allows it to keep the mortgage application process simple while providing competitive interest rates on a wide variety of loans, including conventional purchase loans, jumbo loans, and refinance loans. Interfirst goes beyond the typical underwriting requirements, making it easier for borrowers to finance or refinance a home in many situations.

Key Figures

Loan types: Purchase and refinance

Loan products: Conventional and jumbo loans

APRs start from: Contact vendor

Minimum credit score: 620

Repayment terms: 10-30 years


  • Fast online application process
  • Fast approvals
  • Looks beyond credit score and DTI
  • Low rates and fees


  • No government-backed loans
  • Takes up to 45 days to close

Interfirst’s online application process is smooth and fast, so you’ll know within minutes if you fit into a loan program’s guidelines. Not only does Interfirst look beyond your credit score and debt-to-income ratio to help you qualify for a loan, but its rates and fees are competitive too!

However, a common complaint borrowers have about Interfirst is how long it takes to get to the closing table. The company pushes the pre-approvals through fast and asks you to send documentation in quickly, but it takes an average of 45 days to close. Interfirst also doesn't participate in any government programs, such as FHA, USDA, or VA loans, meaning that if you don’t have great credit, you may not qualify.

How it Works

Interfirst offers one of the sleekest and fastest online loan systems to simplify applying for a loan. Here are the steps you’ll take:

  1. Application/prequalification . You’ll start by answering a few simple questions as part of Interfirst’s initial online form. These include whether you’re looking to purchase a new home or to refinance, where you are in the purchasing process, and the type of home concerned. You’ll also be asked for your ZIP code, budget, credit score range, and down payment amount. This takes less than two minutes to complete. Then you’ll provide your mobile number and will be sent a verification code that you can use to see your loan options.
  2. Choose your loan . Next, you’ll choose your loan from the options offered to you. You might have multiple options depending on your qualifying factors.
  3. Pre-approval . Send in your documentation to get pre-approved, based on the findings from your prequalification or after speaking to a licensed loan officer.
  4. Close on your loan . In approximately 45 days, you’ll be able to close on your loan and become the proud owner of your dream home or refinance your existing home.

Types of Loans

Interfirst offers loan options for both purchases and refinances. These include both conventional conforming loans and conforming high-balance loans, as well as jumbo loans. So whether you’re buying or refinancing your primary residence, a second home, or an investment home, Interfirst has something for you.

Purchase loans:

  • Conventional loan : a standard mortgage loan with a minimum 3% down payment for first-time buyers and 5% for subsequent buyers.
  • Conventional Conforming Loans : up to $548,250 for single-family residences. Available in both fixed-rate and adjustable-rate.
  • Conforming High Balance Loans : between $548,251 and $822,375 for single-family residences. Available in both fixed-rate and adjustable-rate.
  • Jumbo loan : a high-value non-conforming loan program for borrowers who need to borrow more than $647,200.

Refinance loans:

  • Rate-and-term refinance : for borrowers who want to lower their interest rate, reduce their monthly payment, change the terms of their loan (for example, changing from a 30-year loan to a 15-year loan), or switch loan programs.

Once approved, you’ll pay off the old mortgage, and start payments towards your newly acquired mortgage. In general, borrowers should have at least an 80% loan-to-value ratio to refinance but will also be subject to other terms.

  • Cash-out refinance : for borrowers that have equity in their home and want to tap into it to use for home renovations, debt consolidation, or any other expense. You take out a new loan (with different terms) for the remaining balance of your mortgage, plus an additional amount to be received as cash in hand when closing.

Interfirst offers purchase and refinance loans on primary homes (the home you live in), second homes like vacation homes or beach houses, and investment homes. It may be possible to refinance your loan to pay it off sooner, lower the interest rate, or use your home’s equity for current expenses or financial needs.

Loan Features

  • Fixed-rate and adjustable-rate loans . These allow you to choose the loan payment and rate type that suits your financial needs.
  • Great customer service . You can undertake the entire loan process online without talking to anyone, or call Interfirst directly and speak to a licensed loan officer for one-on-one assistance.
  • High balance loans . Interfirst targets high-balance borrowers, and is one of the few lenders to offer loans exceeding conforming loan limits.
  • Leadership experience . The company’s leaders have over 100 years of combined experience in the mortgage industry and in helping clients from start to finish.

Rates and Terms

Interfirst, like many lenders, doesn’t display its rates online. You’ll find out the rates you qualify for when you apply for the prequalification and select your loan. Interfirst offers a wide range of repayment terms from 10-30 years and a variety of rate types to help every borrower get the loan they need.


Interfirst is a mortgage originator whose leadership team has over 100 years of experience in mortgages. The company offers a digital and fast approach to loan pre-approvals and the home-buying or refinancing process. Interfirst has your back, whether you want a completely digital process that can be completed independently or a loan officer to offer guidance throughout the process.

If you have good credit or are a high-net-worth individual who needs to borrow a loan amount higher than $647,200, you can benefit from competitive rates and fees to help you achieve your financial goals. Take a look at their home and refinance applications to get started with the process.

Contact Interfirst

Interfirst has a rating of 4.55/5 stars at the Better Business Bureau. It has been accredited since May 2022 and currently has an A-rating. This testifies to a great relationship with its customers and low rates and fees that keep borrowers coming back for more.

Mortgage specialists are available Monday-Friday, 9am-5pm CT.


HQ: 9525 Bryn Mawr Ave Ste 400, Rosemont, Illinois 60018

Get started now, visit Interfirst
By staff staff is comprised of freelance writers who write for the site
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