One of the smartest and most proactive things you can do a a home purchaser is to be fully approved for your mortgage loan prior to shopping for a home!

You can apply online, by phone or in person and within a very short time know exactly how much home you can afford based on your real credit scores, your income and debts and the home loans available specifically designed for your personal situation.

A real estate agent can be a valuable asset in finding just the right home. Whether you are already working with someone, or want a referral from one of many agents we have worked with, we will help you in any way we can.

With your preapproval in-hand, you will be able to shop in confidence that you already qualify for your loan and if in cases where there can be multiple offers on the same home, the fact that you already have your approval in place will make your offer the most attractive of all!

A 30-year fixed rate mortgage has an interest rate that will not change for the life of your loan.

You can also get fixed rate mortgages for 10, 15, 20, and 25 year terms, saving you interest over the life of the loan.

Rates for 30-year fixed rate mortgages are currently at or near historical lows.

Down Payments as low as "Zero" (USDA and VA Loans) and 3.5% down for FHA loans.

Down payments as little as 5% down on a 30-year fixed rate conventional mortgage.

Refinance up to 95% of your home value. Or, refinance up to 80% of the value to take cash out and remodel, pay down debt or invest.

Jumbo loan option also available if you need a fixed rate loan over $417,000

Gift and other special programs are available for down-payment-assistance

The easiest way to qualify for the purchase or refinance of a home is with an FHA Mortgage Loan.

The Lending Company is an approved FHA "direct endorsed" lender. We offer our clients low fixed rates and the security of a government-insured loan.

You can refinance up to 97.75% of your home’s value. FHA cash-out refinance loans allow you to take out up to 85% of your home’s value.

You can purchase a home with as little as 3.5% down with an FHA loan *(ask about our exclusive GIFT program allowing as little as 1% down on an FHA loan!)

FHA also allows the seller to pay some or all of your closing costs for your new loan!

The even easier way to qualify for the purchase of a home AND for refinancing your current loan.

The Lending Company is an approved FHA "direct endorsed" lender. We offer our clients a "hybrid" combination of a fixed rate and adjustable rate and the security of a government-insured loan. This loan is fixed for the first 3-5 years and then adjusts once a year thereafter.

You can refinance up to 97.75% of your home’s value. FHA cash-out refinance loans allow you to take out up to 85% of your home’s value.

You can purchase a home with as little as 3.5% down with an FHA loan *(ask about our exclusive GIFT program allowing as little as 1% down on an FHA loan!)

FHA also allows the seller to pay some or all of your closing costs for your new loan!

The Lending Company also offers fixed-rate VA loans with competitive rates for those who served, or still serve, in the U.S. Military.

You can get a VA loan with as little as "ZERO" down payment!

VA jumbo loans now available. The most flexible jumbo loans we offer – up to $1,094,625 ($1,500,000 in Alaska and Hawaii) and up to $325,000 cash-out on a refinance.

Less than perfect credit is available on VA loans

If you are purchasing; the seller can pay all of your closing costs PLUS there’s no monthly mortgage insurance on VA loans!

Refinancing? Refi up to 90% of the value of your home. Cash-out refinance also available

The Lending Company also offers a special VA Streamline refinance program where you can refinance your existing VA mortgage quickly and with a reduced funding fee!

HomePath^® is a Fannie Mae product designed to help sell Fannie Mae owned (foreclosed)properties. The Lending Company is one of the few lenders approved to offer the Fannie Mae HomePath Mortgage financing. HomePath has some exclusive advantages, like:

As little as 3% down for primary residence

10% down for investment properties

No mortgage insurance*

No appraisal

Anyone can apply for a HomePath loan. HomePath offers very affordable homes with great financing options for all buyers – whether you’re a first time buyer or seasoned real estate investor!

At The Lending Company, we offer Jumbo loans go up to $2 million. Loans amounts over the $417,000 "conventional" loan limit are termed jumbo loans.

You can get a jumbo loan with either a fixed rate — which means your payment and rate will never change over the life of your loan, or with an even lower adjustable rate term (which can be great if you plan to move or refinance in the next few years)

Based upon an FHA loan

As low as 1% down payment

Gift is credited towards the minimum down payment requirements of 3.5% for FHA loans

Expanded income limits

Flexible loan approval guidelines

Not limited to first-time homebuyers

Remodel and/or Rehab of existing homes

Purchase or refinance

Appraised Value is based on the home PLUS the improvements

Can finance up to 103% of the appraised value

Can include cosmetic improvements, appliances, landscaping and even additions

Expanded FHA approvals and low FHA interest rates