Beeline Loans Review

ByChristian RiggJul. 15, 2021

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In a Nutshell

Beeline links directly to your bank, employer and tax information, and leverages the power of machine learning to provide rapid, personalized loan proposals.


  • Online application and approval process
  • Machine-learning speeds up approval times
  • Direct links to applicant data ensures reliable results


  • $60 credit report fee
  • Hard credit pull may affect credit score

Beeline Loans at a Glance 

Direct lender or marketplace? Direct Lender
Loan types Purchase, Refinance
Featured Loans Fixed-rate, adjustable rate
Repayment terms 15 to 30 year loans
Minimum Down Payment Varies based on loan type
Minimum Credit Score Varies based on loan type
Suitable for Fully online, rapid approval


Beeline is an independent mortgage provider that offers quick, online assessments and loan approvals for both purchasing and refinancing. Linking directly to prospective borrowers’ bank accounts, tax history, and employment information, Beeline uses machine learning to rapidly create a unique, reliable lender’s profile, for rapid approval on conventional mortgages without you ever needing to leave home. Despite this highly automated approach, Beeline also boasts great customer service. 

Suitable For?

Individuals looking for a fully automated, modern, online mortgage service that guarantees quick results and the lowest rates available, with price-matching, and without sacrificing customer service. 

Types of Loans/Products

Beeline offers a wide variety of loans. 15-, 20- and 30-year fixed-rate mortgages are available, as well as 3/1 (fixed rate for 3 years, adjusted every following year), 5/1, 5/5 (fixed rate for 5 years, adjusted every 5 following years), 7/1, and 10/1 adjustable-rate mortgages with low initial payments.

Information on credit requirements, APR, down payments, specific loan terms, and eligibility can be found in Beeline's extensive help section. 

The Application Process

The application process is easy and quick, especially compared to traditional lenders, and can be done on your smartphone. The process can be broken down into 5 main steps, and takes about 15 minutes in total. 

  1. Create your profile (2 minutes) – this helps keep your information safe and secure, with Beeline’s bank-level encryption and security. You’ll be asked to give your first and last name, date of birth, cell phone number, email address, and password. 
  2. Your down payment (7 minutes) – securely link to your bank account, using the same technology as Venmo and Amex, and add additional assets like property, gifts, shares, grants to get a global picture, then decide on your down payment.
  3. What you make (4 minutes) – indicate your employment status and upload pay stubs (W-2s) for automatic verification.
  4. What you owe (2 minutes) – you’ll be asked to confirm your address, and the automatically checks your credit rating and lists an overview of your debts and liabilities. 
  5. Wrap it up (1 minute) – lastly, you’ll provide information on citizen, marital, and current living status, any dependents, etc., followed by a series of questions regarding your personal and legal situation, the property, etc. 

Rates and Fees– The Bare Basics 

Beeline offers competitive rates for all their offerings for various types of lenders.

Unlike many mortgage lenders who do not disclose rates, Beeline advertises their rates right on their website. Users can view rates for both home purchasing and refinancing, as well as  customize their loan scenario in order to view rates they actually prequalify for.

Beeline doesn’t charge origination or processing fees, thanks to their highly automated service. Beeline even allows you to pay appraisal costs (usually up to $600) at closing, along with other closing costs like third-party and title fees. 

Repayment Terms

Loan lengths vary from 5 to 30 years, with different terms available for most loans. APR information is available once you’ve gone through the application process. 

Help & Support

Beeline has no shortage of 5-star customer reviews attesting to a motivated and supportive staff. Their site includes an extensive FAQ and Knowledge Base. You’ll also be supported throughout the process by a dedicated Loan Guide who can contact directly on text, DM, live chat, email or phone call.


As we’ve seen, Beeline is a mortgage company for the 21st century. With a smooth and modern that guides you through the application process from start to finish, and lightning-fast approvals that run on machine learning - there’s a lot here to peak one’s interest. Beeline also doesn’t charge any origination or processing fees, and will price-match if you find a cheaper loan, though they do charge a $60 credit report fee. 


Why is Beeline only available in DC, FL, MD, MA, RI, TX and VA?

These are the states whose laws work well with the digital real estate processes that Beeline relies on for its quick lending service. 

How does Beeline keep user information safe?

Data is stored in read-only formats, and only the artificial intelligence at the heart of the service has access to it. Beeline never stores user credentials, and relies on two-factor authentication to secure the app. 

What makes Beeline stand out?

Beeline’s AI, and the fact that it connects directly with your bank accounts, is a big step forward in automating the home loan process. As a result, application and approval is less complex and more streamlined. The workload involved in traditional applications is greatly reduced, and with it, the stress of getting a traditional loan.

Why is Beeline so much cheaper? 

Beeline’s technology helps remove costly steps and automate the whole process, so less time, manpower and money goes into creating your profile, approving your loan, and guiding you from interested party to home owner. Basically, they keep costs low, and pass the savings onto customers. 

Physical Address

188 Valley Street, Suite 225, Providence, RI 02909.

Beeline Loans customer testimonials

ExcellentReviews 26
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  • author
    Ben S
    Jul 15, 2021
    Great service!

    Beeline was a super easy and interactive system. Although we had some technical difficulties along the way the care, service, and expertise provided by Rosabelle made it all go smoothly. Definitely recommend at least completing their application if you are considering refinance. Their application was quick, easy and produced an accurate estimate.


  • author
    Kerry Donny-Clark
    Jul 27, 2021
    Rocket or your bank, not Beeline

    TLDR; both my bank and Rocket did a much better job on refi. Makeabeeline promised a quick and easy refi process. Instead, I encountered numerous delays and mistakes. For example, I never got a copy of the appraisal on my property. The closing was delayed 4 times, finishing over a month late, in spite of me uploading all documents within a day of their request. They said the appraisal hadn't happened, when I had already met the appraiser at the property! Beeline called one day before scheduled closing to verify my old employment, because they couldn't figure out how to call the company. I Googled the company, then called their public line and got the info. Why couldn't beeline do that?


  • author
    Angie Dempsey
    Jun 17, 2021
    Rosabelle was outstanding

    Rosabelle was outstanding. She provided answers to my questions and kept me informed of the process snd next steps.


  • author
    Rene Cabral-Daniels
    May 12, 2021
    Stellar Customer Service

    TJ and Abby provide stellar customer service! We had a complicated situation and they were both not only available, but reached out to me on their own initiative many times to explain current and prospective activities. I wish more companies had a TJ and an Abby! When you contract with any company your experience is with the staff- and my experience was great!


  • author
    Kyle Lake
    May 12, 2021
    Beeline was able to meet my needs for a…

    Beeline was able to meet my needs for a faster close time and really helped me with making this happen. This included following up with me on multiple occasions to make sure that I was getting the documentation that they needed to make my timeline happen.


Beeline Loans