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
“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.
★#LendUSWins
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.
★#LendUSWins
A natural disaster forced me to relocate, but your commitment to securing me a new home helped me start over
After Hurricane Harvey destroyed her home and business, our client was forced to move in with friends in another state while she figured out her next move. She eventually fell in love with the area, found a job and decided that buying a home would be the perfect way to plant roots in her new community. But when it came time to apply for a home loan, she couldn’t get approved due to an eight month gap in employment. Understanding there is sometimes more to a story than paperwork shows, we sat down together and learned of her amazing perseverance. We knew we could make it work and asked her for a copy of the offer letter from her new employer and a letter explaining the break in work history. Within 40 days of getting pre-approved, our client became a homeowner. She is now well on her way to rebuilding her new life.
★#LendUSWins
Less than 12 hours before we were to sign and we still weren’t clear to close. But with your dedication, we got our home without any delay.
Our recent borrowers had been looking for their perfect home for a while and were excited to finally find a new construction condo that they loved. But when there was a breakdown in communication between the condo developer and the appraiser, we weren’t sure we’d be able to close on time. So with hours to go, we got everyone on board to help. We worked throughout the day and into the evening, determined not to have to ask for an extension. Final word came through around 6:30 p.m. and our clients were in the office at 8:00 a.m. the next morning to sign the papers for their dream home.
★#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.
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.