Reliant Home Funding Mortgages Review 2026: Great Customer Service, Low Rates, But Limited Availability

Our take: Reliant Home Funding has low rates and helpful customer service, a winning combination for homebuyers. You’ll need to start the application process to view rates, but the savings make it worth the hassle. Reliant is a solid lender, especially if you’re in New York, where the company can help you navigate a state program that lowers taxes. But you should still compare it to the best mortgage lenders.

Purchase mortgage details

• Helpful and responsive customer service
• Low rates
• Wide variety of loan types
• Strong CEMA program expertise

• Not available in every state
• Can’t view rates without applying
• Not BBB-accredited

Rates (APR)*	5.625% – 6.500%
Loan amounts	Based on loan type and program limits
Repayment terms	8 – 30 years, depending on loan type
Min. down payment	0% (USDA, VA), 3.5% (FHA), 5% (Conventional)
Customer ratings	No reviews on Trustpilot, 4.9/5 Google

Mortgage refinance details

Rates (APR)	5.625% – 6.500% (Refinance), 5.646% – 6.524% (Cash-out refinance)
Repayment terms	10 – 30 years
Property type	Primary residence

Reliant Home Funding alternatives

Reliant Home Funding company profile

Reliant Home Funding is a Long Island mortgage lender serving customers in 26 states and Washington, D.C. The company stands out with a fully digital lending process, low rates, and expertise in the CEMA program for New York borrowers. 

Here’s an in-depth look at how to decide whether Reliant Home Funding is the best lender for you.

Reliant Home Funding is an Equal Housing Lender and an FDIC member (NMLS #29273). Gregory Topal, Reliant co-founder and CEO, started the company in 2010. 

His goal was to create a customer-centric mortgage process, and it seems to have worked. Reliant Home Funding reviews are overwhelmingly positive, and reviewers repeatedly mention that mortgage officers are helpful, responsive, and kind. 

Mortgage purchase loan types

Reliant offers nearly every type of mortgage, including FHA, VA, conventional, and adjustable-rate (ARM). 

You have to submit a form or call to get answers. It’s a bit of a hassle, especially when most lenders provide the information upfront, but the lender’s low rates might make the extra steps worth it.

Here’s an overview of how each option compares:

• FHA: FHA loans are government-insured and require a lower down payment of 3.5%. It’s a more accessible loan option for borrowers.
• VA: VA loans have special perks like a 0% down payment requirement. You must meet military service requirements to qualify for the loan. Reliant’s VA loans offer the standard benefits, but nothing extra. 
• Conventional: Reliant’s conventional loans have competitive rates that range from 5.625% to 6.5% (in October 2025). The repayment terms range from 8 to 30 years. You need a credit score of 620 and a down payment of around 5%. 
• ARM: Reliant Home Funding Inc. offers adjustable-rate mortgages that start with a fixed rate and then fluctuate. You need a down payment of at least 5%, solid income, and a credit score of 700 or higher.
• Jumbo: Reliant usually requires a down payment of 20%, excellent credit, and a low debt-to-income ratio for loans exceeding county limits on conforming loans. 

Mortgage refinance loan types

If you already have a mortgage but are shopping for a better deal, Reliant Home Funding has three types of refinance loans: refinance, cash-out refinance, and FHA streamline refinance. Let’s take a look at how each one works. 

1. Cash-out refinance: These rates are slightly higher than other refinance options from Reliant, but not by much. You can replace your mortgage with a larger one, get the difference in cash, and use the money for nearly any expense, including renovations. 
2. Refinance: The rates for this loan are similar to the company’s purchase mortgage rates. It allows you to lower your rate or reduce your monthly payments.
3. FHA streamline refinance: This refinance allows you to reduce your interest rate without adding to the balance. You must be able to verify your income, have a history of on-time payments, and complete an appraisal. 

Tax Buster Program

The company specializes in Consolidation Extension Modification Agreements (CEMA) for New York buyers. This state-specific program can help sellers and buyers save thousands of dollars. 

Here’s how it works: The document allows the seller to pay transfer tax only on the difference between the purchase price and the unpaid principal balance of the seller’s existing mortgage. The buyer gets to do the same and only has to pay mortgage tax on the “gap money.”

Both lenders work together to complete the process, and it goes more smoothly when the companies have experience.

Is Reliant Home Funding legit? Customer reviews and ratings

Source	Rating	Number of reviews
Better Business Bureau	1.0/5	1
Google	4.9/5	596

• What it does well: Reliant home mortgage earns top-notch reviews for customer experience. The mortgage officers are friendly, helpful, and available. Reviewers also report that the loan process, including closing, runs smoothly and often finishes ahead of schedule.

• Where to be cautious: Reliant Home Funding isn’t BBB-accredited, and you won’t find any reviews on Trustpilot. It’s a legitimate company with licensing, but online reviews are somewhat limited on every site except Google.

Pros and cons

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