We get you Home On Time® whether you’re buying or refinancing
Smart Advice. Easy Process. Super Speed.
One name. One family. One purpose.
Uniting as one, RPM Mortgage, American Eagle Mortgage, Regency Mortgage and Mortgage Financial have come together to form a national collective, known as LendUS®. We remain family-owned and operated, and continue to provide the ultra-attentive service and community focus that we are known for. With the added strength and support that comes from being a nationwide company, the LendUS® family’s sole focus is to provide smart advice, an easy process and super speed to help you achieve your home financing goals.
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Client Wins
★#LendUSWins
We thought our deal was dead in the water until you threw us a life raft
A couple was making a move across the country and planned to use an FHA loan to purchase a new home. They wanted to leave the husband off the mortgage due to his low credit score and commission-based income, which would be difficult to verify. Still, because it was a community property state, we were required to measure his debts against his wife’s income, which ended up putting her over the ratio limit and threatened to disqualify her for the loan. Thankfully, due to the quick thinking of our team, we found a solution. We lowered the couple’s down payment from 12% to the FHA minimum of 3.5%, freeing up a considerable amount of cash that they then used to pay off their car loan. This not only bettered their debt-to-income ratio, but lowered their monthly expenses. We got the deal closed and the couple is now enjoying life in their new home and community.
★#LendUSWins
We were crushed when we were denied by our previous lender and lost our deposit and the house. But you came through for us on our second try!
Referred to us by their close friends, our recent borrowers were upset about being denied by their previous lender two weeks before closing – costing them the house and their deposit. When we met, we learned that the other lender denied the couple for a VA loan due to eligibility requirements and a short employment history. What the lender didn’t seem to know was that there had been recent changes in eligibility limits, which allowed them to qualify. In addition, though the husband had retired from his job of 20 years, he had recently taken a new position with nearly all the same responsibilities. So his time with his new employer was short, but he showed a long history of employment in the same type of work. Overcoming that last hurdle, the couple moved forward with making an offer on a home they liked even more than the first one, and we closed their loan without a hitch.
★#LendUSWins
We couldn’t have purchased our new home without the sale of our old one. Luckily, we had you to help make it happen.
After we met at an event a year earlier, a couple came to us ready to accept an offer on their current home and get into contract on a larger one. But, two weeks before the closings, we learned that the buyers of their current home had their financing denied by another lender due to insufficient income. Our clients needed the sale to be able to afford their new home and were heartbroken that they would likely lose out. In an effort to get both families the homes they loved, we stepped in and offered our services to the buyers. Once we took a look at their file, we found income that had gone unreported in their 2017 tax returns. With an extra $5k to report, we were able to approve their loan and move forward with both purchases. Thankful that we could save the deals in time, both families are now happily living in their new homes.
★#LendUSWins
When another lender denied our loan because of our complicated income, you ensured we still got our home on time
With their first baby on the way, a couple needed more space and found their dream home close to family. They entered into contract with a different lender, only to be denied on the day the loan contingency was to be removed. Their Realtor knew we could close loans fast and called us right away. The clients had complicated 1099 and commission-based income, so we needed to review it quickly and thoroughly. We found that one had earned a large commission late the previous year that didn’t get paid out until early 2018, which threw off the 2017 income being used to help them qualify. To overcome this, we added the couple’s parents as co-borrowers, which strengthened their application and made it easier to qualify them for the purchase. Despite being brought in late in the deal, we closed in 15 days and both our clients and the sellers were thrilled with the speedy solution.
★#LendUSWins
We were declined by our lender the day before contingencies were removed, but your team stepped in and got our loan done in just 14 days!
Clients were already in contract when their lender’s denial threatened the deal. Their income was complicated – one was a Veteran, both were doctors and they were getting a second loan from their employer to help with the down payment. The sellers already had a back-up offer, so there was no wiggle room to postpone the closing date. We quickly jumped in and discovered that the previous lender had miscalculated our clients’ income. We made the correction, got them approved and funded their loan within two weeks – closing on the original date scheduled. They were so happy, they even invited us to their house warming party.
★#LendUSWins
Leaving my struggles behind for a more serene life, you helped me start my next chapter.
A newly single mother had come to us for help. She was just re-entering the workforce after taking years off to raise her children, address health issues and deal with her previous home that had burned down. She had now fallen in love with a home on the lake, but learned she was facing potential title issues due to legal road access to the property. Her Realtor had encouraged her to use a local bank that was familiar with the issue and could help, but its high interest rates left her wanting a second opinion. Her lack of recent work history was a challenge, which we addressed with verifications of employment from her former companies. Then, together with her lawyer, we arranged for title insurance to address any potential issues about road access. We were also able to secure a rate much lower than she was offered by the bank. And to top it off, we closed two weeks early. She is now watching the sun rise over the lake every morning and ready to take on the next chapter of her life.
How We Help
We Bring It All Together
Smart Advice - Loan Advisor studies your profile and goals
- Provides plan and loan to meet goals
- Ongoing reviews as goals evolve
Easy Process - Complete Home On Time® App in minutes
- Run loan start to end from any device
- Loan Advisor can copilot with you
Super Speed - Experienced, responsive, caring Loan Advisors
- Advance Approval® secures loan up front
- Loan closed or refi approved - on time
First Time Homebuyer
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:
- 3% Down Conventional Loans
- 3.5% Down FHA Loan
- 0% Down VA or USDA Loan
- 1st and 2nd Mortgage Combination
- Various Mortgage Insurance Options
- 5% Down Jumbo Financing
- Family Gift Fund Programs
Experienced Homebuyer
- Ready to upgrade, downsize, or relocate?
- Searching for a vacation rental?
- Need a second home dedicated to your family?
- Need a tax deferred exchange of investment properties?
- Want to buy again after a short sale or foreclosure?
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.
Refinance
Refinancing is all about discovering new opportunities to achieve your goals faster.
- Access equity for remodel, debt payoffs, education, or investments
- Switch to a shorter term to pay off your loan faster
- Use home equity to get rid of mortgage insurance
- Moving within 4-7 years? An interest only loan can minimize payments
Specialty Mortgage
Whether you’re a first time buyer, an existing homeowner or a seasoned investor, LendUS®’s mortgage products offer you more choices:
- Jumbo Loan with a 5% down payment and no mortgage insurance
- Flexible requirements for previous financial hardships
- Reduced income documentation for self-employed
- Low credit scores for government loans
- Fixed-rate second mortgages
- No income, no taxes – Use assets to qualify
About Us
One name. One family. One purpose.
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.
All In - Exemplify a "Can Do. Will Do." attitude
- Dedicated to innovative solutions
- Retail only: consumers are sole focus
Driven - Laser focused on client goals
- Committed to timely service
- Tireless work ethic
Approachable - Ultra attentive service aided by tech
- Always supportive, patient, welcoming
- Discuss your finances in simple terms
News
LendUS® Ranked as One of America’s Top Mortgage Lenders by Scotsman Guide
5 June 2018
In its first year as a national collective, LendUS® has been named the No. 16 Top Retail Mortgage Lender in the U.S.
LendUS® Introduces National Brand to Seven Offices in Three Additional States
11 May 2018
North Carolina operations and The Palmetto Mortgage Group in Texas and South Carolina
adopt LendUS® branding
LendUS® Extends National Reach with Three Offices in Two States
7 May 2018
Former RPM Mortgage offices in Southern California and Arizona adopt national brand
Careers
Join the journey
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!
Community
We're Not Just In The Community
We're Part Of The Community
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.
BAY AREA RESCUE MISSION
Ronald McDonald House, Seattle, WA
LAKE OSWEGO ADULT COMMUNITY CENTER, Lake Oswego, OR
AMERICAN HEART ASSOCIATION
MARY'S KITCHEN, Orange County, CA
ORANGE COUNTY RESCUE MISSION, Santa Ana, CA
TOYS FOR TOTS
SANTA BARBARA CANCER CENTER
JUVENILE DIABETES RESEARCH FOUNDATION
TACOMA RESCUE MISSION, Tacoma, WA
Contact
Here's How To Connect With Us
Find a Loan Advisor
Other LendUS® Connection Tools
LendUS® HQ
3240 Stone Valley Road West
Alamo, CA 94507
925.295.9300
855.776.2888
Please include account number on all correspondence.