After our lender denied us last minute, you took over with grace and speed.
Clients were working with another lender when their loan was suddenly denied the day they were scheduled to close. The buyers were panicking, but their Realtor knew we had a reputation for saving difficult transactions, and immediately called us to help. As we were looking over the borrowers’ documents, we noticed the other lender had not included rental income from their duplex. Unaware of the proper way to document this, the clients hadn’t claimed this as income before. So, to avoid this as an additional expense, we had them amend their tax returns. After rushing their taxes and loan approval, 10 business days later, all items were aligned for a smooth and successful closing. Another loan saved, another happy couple!
You increased my credit by 100 points and my chances of becoming a homeowner by 100%.
Expecting the arrival of their first child very soon, a couple decided it was a good time to get out of their tiny rental and came to us to discuss next steps on becoming homeowners. They had ample income and assets, but the husband’s limited credit history and collections were dragging down his overall score into the mid-500 range – which was too low to qualify. We told him not to worry and provided a guided plan with specific steps to improve his credit and their chances of qualifying. After a few months had passed, we pulled a new credit report and could clearly see the results when his score came back with an 100-point increase! With boosted credit and confidence, this set the foundation for their loan approval and helped these new parents secure a place of their own to raise their new baby.
When disaster struck, you helped us get back on our feet and into our first home.
A young couple didn’t have their sights set on buying, but after a hurricane destroyed their apartment, they were suddenly left without a home. Without a place to stay, they moved in with family, but knew they’d need a more permanent solution. Rental properties were limited in their area, so they decided to take their Realtor’s advice and reached out to us to discuss their buying options. Knowing they had little liquid assets, we pre-approved them for a 0% down USDA loan to preserve their cash. After searching for a few months, they found a house on several acres of land with lots of privacy and space – turning an unexpected disaster into a happy ending of hope and homeownership.
With income tight, you found an affordable financing solution that fit our budget
A newly married couple had their sights set on a 15 acre property, but had some hurdles to overcome before making an offer. On a fixed disability income, the husband was unable to work so his wife was trying to qualify for the loan solo. Because she was tied to an existing mortgage from a prior marriage, we had to include her ex’s housing payment in the debt calculation. She was still able to qualify, but we needed to improve her debt-to-income ratio. After some number crunching, we found an inexpensive homeowners insurance plan and matched them with a low down payment FHA loan, which lowered their monthly payments. This gave them the ability to purchase their big piece of land and offered an affordable solution that met both their farming and finance needs.
I came to you with bad credit, no down payment, issues with my income and little hope. With your help, I left with a home.
After going through a complicated divorce that exhausted her energy and finances, a client needed to shift her focus to buying a home. She was not feeling hopeful when we met, but we assured her that we could tackle the three huge obstacles in her way. We first addressed her credit, which was left destroyed by her divorce. After a few weeks, we were already seeing improvement. Next, we looked at her income. In addition to her primary source, we needed to use the annual inheritance she was receiving to help her qualify. Unfortunately, it had been reported incorrectly on her last three years of tax returns. With the help of her accountant, we had them amended so we could properly document and use those funds as part of her monthly income. With those items addressed, a door opened to a down payment assistance program – saving her from having to bring funds at closing, and providing a new found optimism on the next chapter of her life.
Advance Approval® helped us beat out multiple cash offers and put us to the front of the line
Two new clients came to us looking for tips on purchasing a home in one of the most competitive markets in the country. We knew that bidding wars were practically guaranteed, so we had to make their offer rock solid. Luckily, our Advance Approval® program was the glue they needed to make their offer stick. By submitting their file to our underwriter upfront, we bypassed the pre-approval stage and received their formal loan approval in advance. This helped them beat out eight other offers, including two all-cash, and got them into their new home in just 14 days!
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.
3240 Stone Valley Road West
Alamo, CA 94507
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