Movement Mortgage Review: Fast Funding, Easy Process

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A lot of those interested in buying a home are often discouraged due to the process. For most lenders, you not only have to have solid credit but a sufficient income and a down payment that amounts to 1-3% of the mortgage loan.

That’s something that not everyone can do, which is why Movement Mortgage can be of help. Movement Mortgage aims to help low-income borrowers and those who fear they’ll get lost in the application process.

While they offer promising assistance, we’re on a mission to uncover whether or not Movement Mortgage is as helpful as they say they are. 

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Movement Mortgage Pros and Cons


  • Quick decision process (most within 7 days)
  • As a minimal profit lender, most profit goes toward community projects
  • You can find Movement Mortgage options in all 50 states


  • There are no home equity loans offered
  • They are not upfront with their rates

Movement Mortgage Overview

Movement Mortgage aims to bring the option to buy a home to potential homebuyers of all incomes.

With low monthly payment and reduced down payment options, they are the perfect mortgage lender for those that might not qualify for traditional mortgage loans.

They offer quick approvals, tons of loan options and are quick to move once buyers have been approved.

One of the most exciting things about the mortgage company is that they don’t bank off of homebuyers, taking most of their profits and pumping them right back into the community. Funding goes toward community-driven projects to make all areas a better and safer place to live.

How Movement Mortgages Work

Those interested in applying with Movement Mortgage will have to first fill out an online application.

After completion, they can shoot back an answer in as little as 6 hours, after which they immediately move to process the home loan and close in about one week.

That makes Movement Mortgage one of the fastest-moving mortgage lenders around, which makes it a top choice.

Apart from swift processing, those who apply can also expect to get the lowest rates and approval when other traditional lenders would have denied them.

They can guide those who apply through the process and make sure that it goes as smoothly as possible from start to move in.

Movement Mortgage Types and Products

Many first-time homebuyers have no idea what they’re in for when they buy a home. While it’s not a complicated process, it requires lots of steps to complete, usually taking time between approvals and acceptances.

Movement Mortgage doesn’t have that but, they do have similar mortgage types that most other lenders have. Some key mortgage types and products you can find include:

  • Conventional Loans: Conventional loans are traditional mortgage loans that require decent credit, a low debt-to-income ratio, and a down payment.
  • FHA Loans: Federal Housing Association (FHA) is a government-run institution that is there to help those with bad credit. They take care of the down payment and fix PMI interest for the entire term of the mortgage loan.
  • VA Loans: VA loans are available for all active military, veterans, and their spouses. VA loans help with the down payment for those who don’t have it and finance 100% of the property total. When paired with Movement Mortgage, all lender fees are also waived for those who qualify for VA status.
  • USDA Loans: The United States Department of Agriculture (USDA) is also there to help potential homebuyers who live in rural areas. For those who don’t have the income to make a down payment, the USDA is there to help.
  • Jumbo Loans: Jumbo loans are there for borrowers that need more than what traditional mortgage lenders will provide them. They usually require a large down payment and proof of a stable and healthy income.
  • Fixed-Rate: Rates are constantly changing, shifting along with the market as it changes.  With a fixed rate, the duration of the interest rate of the mortgage will stay the same.
  • Cash-Out Refinancing: Homes build up in equity over time, which homebuyers can use to make home improvements. With a cash-out, buyers can borrow against their home equity, even without changing their payments.
  • Adjustable-Rate: Unlike the fixed rate, the adjustable rate changes at some point along with the term. Most of the time, it’s around the 10-year mark, where it will switch to the market rate.
  • HELOC: A Home Equity Line of Credit (HELOC) is a loan where buyers can borrow an amount within their home’s equity. Movement Mortgage does not offer HELOCs. See our list of the best HELOC lenders.
  • Reverse Mortgage: Reverse mortgages aim to help elders who own their homes cash out on the value of their homes without any penalties. To qualify, elders have to be over the age of 62.

Movement Mortgage Rates and Fees

One of the transparent things when it comes to Movement Mortgage fees is that there are no application fees and no prepayment penalties.

Other than that, there is not much information. It just depends on what kind of loan those who apply end up qualifying for.

Most of the fees that applicants will endure come along with the home buying process and don’t have anything to do with Movement Mortgage itself.

Movement Mortgage Features and Benefits

One of the reasons Movement Mortgage is at the top of a homebuyer’s list for a mortgage lender is its features and benefits.

They have a ton of benefits that are great for many borrowers, even if they don’t have the money to put down or the credit score to qualify for low rates. Additional features and benefits include:

Entirely Online

There is no need to visit a branch or run back and forth from place to place. Everything is 100% online, which is why it’s so convenient and fast.

Low Down Payment Requirements

Instead of huge down payments that are typical of traditional mortgage lenders, Movement Mortgage has low down payment requirements for most of their loans.

This branches out the ability to secure funding wider, extending it to those who might have originally been approved.

Nationwide Availability

An opportunity to secure a mortgage quickly and at a low cost is something that borrowers can’t find everywhere. But with Movement Mortgage, borrowers have availability in all 50 states, able to reap the benefits from wherever they are.

Free Rate Quotes

We mentioned the low fees earlier, but we didn’t hit on the fees with rate quotes. Those shopping around and seeing what mortgage lenders have to offer won’t have any fees to pay, something that not all lenders can say.

Refinancing with Movement Mortgage

Refinancing is hugely beneficial for borrowers, allowing them to lower their payments and/or shorten their terms.

Refinancing with Movement Mortgage is quick, simple, and highly likely, thanks to the wide range of compatible banks and lenders.

Many homebuyers choose Movement Mortgage as their choice for mortgage refinancing, especially those who have refinanced before as they score special pricing.

How Does Movement Mortgage Compare to Other Lenders?

There are lots of lenders out there, which is great. The more competition that’s out there, the more beneficial it is for borrowers, able to shop around, compare, and negotiate deals. Below, we’ll take a look at Movement Mortgage compared to other mortgage lenders, seeing how they square up.

#1. Movement Mortgage vs. Better Mortgage

Better Mortgage gives Movement Mortgage a run for their money, with zero origination fees, no application fees, and 24-hour availability.

They offer pre-approval in less than 3 minutes, which is an option borrowers don’t have with Movement Mortgage.

Where Movement Mortgages outweighs them is with their variety of loan options and their features and benefits.

>> More: Better Mortgage Review

#2. LoanDepot vs. Movement Mortgage

LoanDepot claims to make the home buying process a breeze, streamlining the application process and offering quick approvals.

Though they promise to deliver, customers on the web differ in opinion, as their customer rating is fairly low. Movement Mortgage has a solid rating, with a ton of satisfied verified customers.

>> More: LoanDepot Mortgage Review

#3. Guild Mortgage vs. Movement Mortgage

With Guild Mortgage, borrowers will find a long list of rates and fees. They will also find options to do just about everything, from refinancing to borrowing and more.

They fall behind Movement Mortgage because they charge a fee for everything, driving the cost up of applying for and shopping for a mortgage loan.

>> More: Guild Mortgage Review

Is Movement a Good Choice for Mortgages?

Yes and no. While Movement Mortgage is a solid lender for borrowers with lots of circumstances, no two buyers are the same.

They shine with borrowers that need help finding alternative options, whether that be due to income or lack of decent credit.

Just like other mortgage lenders, borrowers should make sure to shop around and compare other lenders before choosing Movement Mortgage.

How Do Movement Mortgage Rates Compare to the National Average?

When compared to the national average, Movement Mortgage offers lower rates than most but not all. The competition between lenders is fierce, which is part of the reason why borrowers can score competitive rates on mortgages the more they shop around. You shouldn’t make any mortgage lender your only search, seeing what’s out there and hunting for the best option for you.

What Types of Mortgages Does Movement Offer?

The types of mortgages that Movement Mortgages offers are abundant. With everything from USDA loans to FHA loans and even Jumbo loans. Depending on the type of mortgage loan borrowers are looking for, Movement can be the best option or can fall behind the other guys.

Does Movement Mortgage Offer Mortgage Refinance?

Yes, they do! That’s one of the main benefits, as they offer both mortgage loans and refinance options. They are there for both buyers and owners, always attempting to offer the lowest fees and best rate.

What Credit Score Do You Need for Movement Mortgages?

Most of the time, the minimal FICO score accepted is a 580. However, that just depends on the type of loan and can change along with the requirements. There are no fees to apply, and it’s a quick process with a swift response, making it worth it to apply and see what borrowers can qualify for.

Bottom Line: Movement Mortgage Review

Movement is an online mortgage lender with lots of options to suit all kinds of borrowers. While it might not be the best for everyone, they are a top competitor in the world of mortgages, pumping out competitive rates, low fees, and tons of options.

The process is quick and easy, so why not head over and see what you can qualify for. Approval is fast, and once it’s accepted, borrowers could say hello to their new home in as little as one week.



Drew Cheneler
Drew Cheneler

Drew is our Co-Founder and is a recognized Credit, Small Business, and Personal Finance Expert. He has been featured in CNBC, Fox Business News Section, The Huffington Post,, Moneyunder30, US Chamber of Commerce, and more. He is known for breaking down complex personal finance topics into action-oriented advice, so you can make the most of your hard-earned money. Drew attended the U.S. Coast Guard Academy where he majored in Business Management with a focus on Information Systems.