We had been under contract with a new home builder for three months when we got a call that completely blindsided us
When our clients called us for a second opinion, we learned that they were a month away from moving their family across the state and into a newly built home. They had been pre-approved by the builder’s preferred lender months earlier and, without indication of a potential issue, their loan was denied without explanation. Once we started looking into it we were able to identify the problem, but recognized that the family had several alternative options. They decided that getting a co-signer on the loan would work best for them, so we moved forward and were able to close the deal as scheduled. Between the stress of moving and starting their three daughters in a new school, our clients were relieved to still be able to move in to their home on time.
Thank you for finding a way for me and my daughter to stay in our home after my divorce.
A client was referred to us by her attorney because she was going through a lengthy divorce with many moving parts. The court had given her 90 days to either sell her family home or refinance and remove her husband from the loan. Knowing she had nowhere to go if she were to sell, her only option was to do a cash-out refi. But she was a stay-at-home mom and hadn’t been receiving alimony long enough to use it as income to qualify. With only days to spare, we found that by adding a non-occupant co-borrower and using the last six months of mortgage payments for the home to boost her income, we could get her qualified. In the end, our client was able to satisfy the court, pay off some high interest debt and, most importantly, stay in her home.
We were grateful for your expertise when a single missing document nearly cost us the purchase of our dream fixer-upper.
Our clients found a perfect HUD-owned property in need of repair and planned to use an FHA 203k loan to cover their mortgage and the cost of renovations. But, once we started digging into the home’s history, we learned that the previous owner had not received a certificate of occupancy, a requirement for our clients to be able to use the loan they wanted. They needed to either choose a different type of loan that didn’t work as well for them, or walk away from the deal. We got our in-house team of experts involved and negotiated a certification that replaced the certificate of occupancy. The city and FHA approved – giving our clients the green light. They got the home and are now busy getting it ready to move in.
We were confident in our lender and our offer but, once our deposit was at risk, we knew we needed your help.
Pre-approved by another lender, our clients were searching for the perfect investment property to add to their portfolio. They felt confident that they’d get fully approved so, once they found a home that checked all the right boxes, they submitted a strong non-contingent offer and put down a $30,000 deposit. But the couple was denied two weeks into the deal because their debts were too high to qualify for the jumbo loan they needed. They went back and forth with the lender to try to find a solution but, with their deposit on the line, ultimately decided to give us a call. We immediately recognized that we had a niche product loan would allow us to work outside the box to get them their home. Less than three weeks after coming to us for help, our clients were ecstatic to close on their investment property and continue their pursuit of financial freedom.
“As a REALTOR®, I was impressed by your knowledge and perseverance to get a nearly impossible deal done – the purchase of my own home.”
Our recent borrower is a successful REALTOR® in her market and spends her time helping others find the perfect home. So when it came time to buy a home for herself, she knew how the process should go. She had good credit and income, but is self-employed which made it difficult for her to get pre-approved. Once she finally found a lender, she was promised they would close the deal no matter what. So our client started house-hunting and within a couple months, was in contract. She started getting suspicious when, three weeks in, the title company still hadn’t heard from the lender. When she finally got a hold of them, she was continually told to sit tight and that they were working on it. She knew something was not right. Sure enough, two months and two extensions later, her loan fell apart. Deflated, she was about to pull out of the deal when the listing agent encouraged her to give us a call. We met, studied her file, asked a lot of questions and got to work. We had her loan wrapped up quickly and in just over a week, she landed the keys to her new home.
I went from tears to cheers!
As the sole caretaker of two special needs children, our client was looking for a larger, more comfortable home in a better part of town. She was thrilled when she found her ideal property, made an offer and it was accepted. But a week into contract, another lender told her that she had too much debt and couldn’t qualify for the loan that she was previously quoted. In tears, she called us for help. We sprang into action, reviewed her documents and developed a plan. Our priority was to match her with a down payment assistance program that allowed her to use the cash she had saved to pay off her debt instead. Combined with an FHA loan, it was exactly what we needed to make it work. Our client is now the proud owner of a home that is perfect for her and her two boys.
Your first home is the biggest investment of your life, and we’re passionate about educating you. We offer loan products for every need, including:
Then it’s time for a consultation with a local LendUS® loan advisor. No matter how complex your property, taxation, or family planning objectives are, we’ll take you through it with personalized service, a custom plan, and precise execution every step of the way.
Refinancing is all about discovering new opportunities to achieve your goals faster.
Whether you’re a first time buyer, an existing homeowner or a seasoned investor, LendUS®’s mortgage products offer you more choices:
LendUS® was created as a collaboration between RPM Mortgage, American Eagle Mortgage, Regency Mortgage and Mortgage Financial – four well-established mortgage companies with like-minded industry veterans. Together, we have formed one company, with one name, that is solely-focused on providing our clients smart advice and an easy process with super speed.
We have a combined talent base of hundreds of loan advisors, and a national leadership team in place for more than 20 years. All of whom embody our core values: All-In like family, Driven like Wall Street and Approachable like Main Street.
LendUS® continues to provide the ultra-attentive service, community focus and local expertise we have always been known for, but with the added benefits of a broad product selection and the strength that comes from being a nationwide firm.
We are dedicated to finding innovative solutions and technologies that simplify the often complicated lending world. Our Home On Time® App allows you to apply and manage your loan on any device, at any time. This commitment to ease and speed goes a long way in our efforts to help you achieve your home financing goals.
A career at LendUS® means being empowered to maximize your potential. We are individuals with diverse talents and tireless work ethic, united by one mission: to simplify the complex business of lending. We are innovators, problem solvers and collaborators. We are driven by a commitment to each other, our clients, and our communities. We are supportive, patient and welcoming. Through creativity, technology and an unwavering focus on personalized service, we never stop improving.
Check out our LendUS® Job Openings for opportunities to join the team!
Our "Can Do, Will Do" spirit at work extends into communities where we live. We invest our time, talent, and money alongside our neighbors to help improve everyone’s quality of life. Here are some organizations we are proud to support.
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Alamo, CA 94507
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