Last Updated: 04/18/2025
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Highlights
Credit Score Range
N/A
Amount Range
$100,000 - $1,500,000
Loan Term (Years)
N/A
Envoy Mortgage Home Loans Review
Envoy Mortgage Home Loans is offered by Envoy Mortgage (NMLS #6666), a direct lender founded in 1997 and based in Houston, TX. Envoy Mortgage are available in 49 states and Washington, DC.
Key Takeaways
- Wide selection of mortgage programs offered. Envoy Mortgage Home Loans offers FHA, HomePath, USDA, VA, conforming, and conventional mortgages.
- Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
- Standard interest rates types.
- Only primary residences considered. Envoy Mortgage Home Loans does not offer financing for vacation homes or investment properties.
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
Envoy Mortgage Home Loans Pros & Cons
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Envoy Mortgage FAQ
How much can you borrow via Envoy Mortgage?
Envoy Mortgage allows borrowers to apply for loan amounts of up to $1,500,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.
What mortgage rates does Envoy Mortgage offer?
Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.
Do they charge mortgage origination fees?
Yes, Envoy Mortgage may charge a loan origination fee .
What mortgage programs are available?
Besides conventional mortgages, Envoy Mortgage offers the following mortgage types:
- FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
- HomePath: Financing for the purchase and improvement of properties owned by Fannie Mae.
What property usage types does Envoy Mortgage allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Envoy Mortgage allows the following property usage types:
- Primary home
What is the customer service phone number?
The customer service number for Envoy Mortgage Home Loans is (877) 232-2461.
What is the support contact email?
The support contact email for is info@envoymortgage.com.
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Envoy Mortgage Home Loans Community Reviews
Would you recommend Envoy Mortgage Home Loans to your friends?
RO
Raphael O.
Nov 16, 2020
May or may not recommend
The agent and is team made the impossible possible for us. We never thought we would be able to find a product that fit our needs to purchase a property for the first time. They worked tirelessly to make it possible. He has impressive knowledge of the real estate market, and we always felt like he used it with our best interest in mind. He has continued to give ...Show More
BN
Bryant N.
Oct 26, 2020
May or may not recommend
Envoy Mortgage was great from the start! Another mortgage firm was about to woo me into refinancing my mortgage with them when a friend of mine referred me to this service. The rep. was very professional, answered all my questions, and had my best interest through the whole process.
The process was straightforward, dealing with them was a breeze, and they went above and beyond expectations for my family and me. ...Show More
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