Our offer wasn't the highest, but your commitment to closing in 21 days helped us beat out the competition and purchase our first home!
Newly married and ready to venture into homeownership, a couple came to us to looking for advice on how to make their offer stand out in a market with limited inventory, heavy competition, and rising prices. We had the answer. With their offer in hand, we called the listing agent personally to outline the buyers’ strengths, and how we could close in 21 days. Both the agent and the sellers were impressed, so while our clients’ offer was up against others that were much higher, theirs was chosen. We closed 21 days later as promised, and the celebration continues as the newlyweds toast to their new home!
The knowledge and education you shared empowered us to take on the first home buying experience.
After years of renting, a young couple wanted to buy, but didn’t know where to start. Looking for ways to get educated on the process, they attended a first time buyer seminar that we were hosting. We got to chatting and learned that affordability was important to them, so we went over various financing options that could work for them. They chose to go with a special program that offered reduced mortgage insurance rates and a low 3% down payment. We worked quickly to get them pre-approved and kept in touch while they searched for their perfect home. It took over a year, but they finally found a great deal on a recently foreclosed home that aligned perfectly with their budget. We closed a month later and the homeowners walked away feeling like experts themselves!
We were just looking for a quick solution to our high payments, but you looked further ahead and helped set us up for a better future.
Clients came to us looking for a simple refinance – they wanted to get out of the high interest rate and private mortgage insurance payment on their current loan. But when the appraisal came in, we learned they had not built up enough equity to completely eliminate their mortgage insurance. So we focused on a new strategy. We explained that by switching from a mortgage with a 30 year to a 15 year term, they could optimize their savings and pay off their home before they retire. With their new mortgage, they are now on track to save more than $130,000 in interest over the course of the loan. Plus, once their home is paid off, they’ll be able to net thousands during their last years of employment – adding a huge boost to their retirement savings and offering them a more comfortable future.
Advance Approval® gave me the confidence and speed that other lenders couldn't provide
Even after shopping around and getting pre-approved by six different lenders, a client still didn’t feel confident that he was truly qualified as a borrower. He was already in contract and while his new construction home would not be complete for nearly seven more months, he had already invested time and money into the property, so he needed more assurance. Luckily, we had a perfect solution for him called Advance Approval. By gathering all of his documents upfront, instead of just pre-approving him, we submitted his file to one of our underwriters for a complete income and credit review. By completing this early on, it sped up the process for the future and gave him the confidence he needed upfront knowing he was more than pre-approved, but already approved!
Other lenders couldn't offer anything less than a 30 day close. Selecting you for your speed alone was a no-brainer.
A self-employed borrower had been working with another lender to get pre-approved and received word his offer had been accepted for his home purchase. But after hearing the lender could only close in 30 days’ time, the client decided he wanted to move in sooner and was referred to us. We met with him and gathered all of his income, credit and asset documentation, and after reviewing it, we told him we could easily process his file in just a few short weeks. 9 business days later, in what seemed like the blink of an eye, our client was already in his new home relaxing, and was thrilled how quick, easy and pain-free the process was.
When my local bank couldn't close my loan fast enough, you stepped in to make my first home purchase experience a great one.
The parents of a young buyer were heavily involved with their daughter’s first home purchase and encouraged her to use their local bank to get pre-approved. Shortly after she went into contract on a property with an 18 day close, her initial excitement quickly turned into fear when the bank told her they’d need at least 35 days to get it done. They recommended she pay all cash for the property and then do a cash out refinance later. Neither the client nor her parents wanted to liquidate funds, so the buyer’s Realtor stepped in and convinced them to have a conversation with us before losing hope. After talking through their situation and reviewing the buyer’s file, we knew we could meet the closing. We had the loan submitted, approved and closed within the short 18 day window – winning over both the buyer and her parents.
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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