Every week we share stories about home-buyers and homeowners who are achieving their goals with LendUS as their partner.
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.
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.
Leaving my struggles behind for a more serene life, you helped me start my next chapter.
Your willingness to explain changes in regulations made us feel secure during the application process - giving us confidence to purchase our vacation time.
While on vacation, a snowbird couple had fallen in love with the warm weather and decided they wanted to buy a second home. They hadn’t purchased a property in more than 20 years, so their Realtor referred them to us. At first they were surprised with how much the application process had changed over the years and were concerned about giving out so much of personal information. We reassured them that the regulations in place today are designed to protect consumers and that guidelines are different for purchasing second homes, which explained much of the differences from their past experience. The couple appreciated the explanation, moved forward and are now enjoying their time in the sun.
Buried in debt with a low credit score and in need of a resolution, homeowners were referred to us to discuss their financial options. They wanted to pay off more than $100K in debt and lower their overall monthly expenses, but hadn’t been able to qualify for a cash-out refinance. After analyzing their existing home loan and equity, we set them out on a path to boost their credit score. They followed our instruction to a T and within days, saw a 40 point jump in their score – putting a refi within reach. With a new sense of optimism and clean slate, they’re now saving $2,000 per month and feel much more financially more secure.
Thanks to you, we were able to pay off $100,000 in debt and reduce our monthly expenses by $2,000!
With limited funds and low credit, you helped me create a plan to buy my first home with only 3.5% down.
Tired of renting in a noisy area with inconsiderate neighbors, a young woman was referred to us to discuss her home buying options. When we initially met, she had little cash saved, several debts and a low credit score. We worked with her over the next few months to rebuild her credit and execute a plan to help her save enough funds for a low down payment and closing costs. Once she was in a better position, she made an offer. A few weeks later she was in her very first home, grateful for the opportunity to become a homeowner.
After going through some rough times, a retired couple on a fixed income came to us to discuss their options to buy. Years ago, the husband had gone through a messy divorce, filed for bankruptcy, lost one home to foreclosure and sold another in a short sale. After re-establishing his credit, he and his new wife were hopeful, but not confident, that they could once again become homeowners. So we sat down together, went over various lending programs, and informed them that enough time had passed since their financial hardships that their chances of buying looked good. The process wasn’t the smoothest and some obstacles did pop up along the way, but they never lost hope. In the end, their loan came through and they are happy homeowners once again.
After a foreclosure, bankruptcy and short sale, I wasn't sure I could become a homeowner again. But you helped me make it happen.
My offer wasn't the highest, but I won the bid on my home because of Advance Approval®
A client came to us looking for an edge in a market with limited inventory, steep competition and rising prices. He had heard about Advance Approval® and was interested in a full upfront approval instead of a pre-qualification. So we gathered all of his documentation and submitted his file to our underwriter for a complete income and credit review. When the right home came along, we reached out to the listing agent and assured the sellers that we could close in less than 30 days. This helped our client beat out multiple offers – including a bid that was $50,000 over asking – and got him into his home in just 16 days!
Disappointed by one lender’s denial and another’s purchase approval amount, a borrower came to us for a third opinion. He was self-employed with a low credit score and complicated income, but remained hopeful for a better option. We first tackled his credit and set him on a path to improve his score. Then we analyzed his taxes and did a more accurate accounting of his gross monthly self-generated income. After a few months, his credit was improving and we were able to pre-approve him for double the amount quoted by his previous lender. He’s now settled in his new home and happy he made his third option his first choice.
After being denied by one lender and disappointed by another, we learned that the third time really is the charm
As physicians, our income is complex. But, it was an obstacle you were able to cure.
Two weeks into contract on their dream home, two physicians were shocked when their bank told them it couldn’t move forward on their loan because of their unique income structure. As doctors, their income included a variety of overtime and differential pay, plus they had recently switched from W2 to 1099. Fearful they’d lose the property, they followed their agent’s advice and gave us a call. We easily identified the income issues, worked through them, and were able to approve their loan quickly. In less than three weeks, everything checked out fine and these two doctors were diagnosed as homeowners.
Completely happy living as rented tenants in a unit of a duplex, our clients were devastated to learn that their landlord wanted to put their home up for sale. They had no desire to move and were interested in purchasing the property, but worried homeownership was still out of reach. They asked the landlord to keep the for sale sign off the lawn while they explored the possibility, then gave us a call. When we met, they were thrilled and surprised to learn that they could qualify to purchase both units of the duplex. They were thankful to be able to stay in the home they loved and lived in for so long, and now even have rental income to help supplement their new mortgage!
You helped turn us from renters into owners, without even moving
You helped us double our down payment and close on our first home - ending our two year search
After searching for nearly two years, potential first time home buyers came to us to strategize ways to strengthen their offers. They had 10% to put down, were self-employed and had sky high debt ratios. We recommended a unique down payment assistance program that provides an additional 10% down without any additional cost – increasing their total down payment to 20%. With their new pre-approval in hand, they submitted a strong offer and committed to a 22 day close. This time, history did not repeat itself and the seller accepted the offer, providing a happy ending to a two year search.
A young couple was looking to purchase their first home and came to us with many questions about buying and getting pre-approved. Referred by their Realtor, we sat down to answer their questions and go over various low down payment programs that worked with their budget. We pre-approved them for a 3.5% down FHA loan to help preserve their funds and kept in touch while they started their search. Once they were in contract, we helped ease their concerns as the house underwent repairs and continued to guide them throughout the transaction. They’re now comfortably settling in, fulfilling their goal of owning their first family home.
Your knowledge, support and approachability made our first-time home buying experience a breeze!
After completing my seventh loan with you, there's no doubt that I'll always trust your expert advice.
A long-term client with six loans under her belt came to us to once again to ask for advice. She had recently sold a property in one state and wanted to use the funds to buy a condo in another. Knowing she wanted to preserve as much cash as possible, we recommended she do a 1031 exchange to avoid paying additional taxes on the sale. With the clock ticking, we helped her complete the paperwork, overcome obstacles with the listing agent, and close ahead of the exchange deadline. She was not only grateful for the investment advice, but for having a go-to lender she could rely on.
First time buyers had just gotten into contract on a nice fixer upper when they realized the home needed much more work than they initially thought. Nervous they wouldn’t have enough funds to cover the renovation costs, their local bank suggested they chat with us to discuss a more specialized type of financing. We met and informed them that an FHA 203k renovation loan would allow them to finance the cost of the repairs along with their new mortgage, without affecting their budget. These types of loans can take more time to close, but by working closely with their contractors and keeping their file updated, the repairs and their loan were ready two weeks ahead of schedule – taking their home from potential to perfection.
With your help, we financed the cost of our home repairs and mortgage all into one affordable loan.
In today's competitive real estate market, we needed an advantage. You gave us two.
In a competitive market, clients were facing a potential disadvantage – they had to sell their current home to be able to afford the down payment on a new one. To provide them a competitive edge in a multiple offer situation, we offered them two key advantages. First, we reviewed their retirement assets and found funds that could be used as their down payment. This strategy eliminated the need of having to make a contingent offer and the funds could be repaid upon the sale of their current home. Then we approved them upfront with Advance Approval®, showing sellers we could close quickly. These advantages paid off and our clients were able to make a non-contingent offer, securing the winning bid on a new home.
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!
After our lender denied us last minute, you took over with grace and speed.
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.
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.
When disaster struck, you helped us get back on our feet and into our first home.
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.
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.
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.
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!
After learning they had two weeks until they would have to move out of their rental, a couple desperately started searching for a home to buy for their young family. Their Realtor found a property that met their budget, but the sellers wanted to close in just eight business days. They needed a lender with speed and efficiency so, having worked with us before, their Realtor gave us a call. From the moment we received their contract, we were off and running. We submitted their file that same day and ordered the appraisal and inspections on a rush. We closed on time and they were able to move out of their rental and straight into their new home – going from panicked renters to relieved homeowners all in one day.
When our housing situation went from bad to worse to dire, you sprang into action and delivered nothing short of a miracle
Your empowered us to go after the property of our dreams
A couple with a passion for horses fell in love with a newly remodeled home on five acres of land and knew it was meant for them. After reaching out to the listing agent multiple times to make an offer, they were met with silence. Frustrated, they turned their focus to their financing and began the process of getting pre-approved for a loan. With a foreclosure in their past, they knew they needed an experienced lender who could help ensure they would get the home. When they came to us, we went over their past credit history and determined they could qualify with a low down payment FHA loan. With a new sense of optimism, but still no word from the listing agent, we encouraged them to contact the real estate broker owner directly to make their move. They did, and we closed on the property within 30 days. With our support, they remained hopeful and are now grateful they didn’t pass on this once in a lifetime opportunity.
A Navy veteran and his wife came to us eager to learn about the great VA financing benefits he was eligible to receive. We explained that there are nuances to VA lending, but that we’re experienced in the different opportunities it offers. They were excited to learn that they could become homeowners with no money down, and moved forward with making an offer on a home they had been eyeing. Their offer was accepted and we closed in 23 days, start to finish. Our clients now tell us they feel so well-informed that they’re sharing their knowledge with other friends and veterans.
After I served my country, you did me a service by offering advice on the benefits of a VA Loan
I thought I'd need to pay thousands in additional home insurance coverage. Instead, I was saved by refinancing.
A client came to us wanting to lower his mortgage payment, but was concerned about the home’s location. He had received conflicting information about whether or not it was in a flood zone, even though he had never been required to purchase flood insurance in the past. We told him we’d get to the bottom of it. Once we did some research, we found that the property maps were outdated and that the perimeters of the flood zone had been changed. His home was in the clear, but we needed to be able to prove it so that he could avoid paying up to $5,000 a year in flood insurance. We helped him through the Letter of Map Amendment process and moved forward with the refinance. In the end, we solved the mystery and reduced his rate by more than 2 percent – saving him hundreds each month and avoiding thousands in additional costs.
We have a client who is a single mother of four and wants to get her life and finances back on track after going through a divorce. Her husband left her without any child support payments, so she went back to school to become a nurse. She has now graduated, but along with her diploma, she has collected a lot of debt. Now that she has landed a steady job at a VA hospital, she wants to buy a home for her family. Together, we’ve gone over various loan options and programs, and put together a specific plan to help her qualify for down payment assistance. She’s now working hard, paying off her debt, and couldn’t be more grateful for our help, knowledge and trust. In just a few months she’ll be financially ready to find the perfect home for her family.
You've helped me go from divorce and debt, to a guided path of determination
Reputation is everything - and you proved yours
First time home buyers had been saving for several years and thought it would be fast and easy to work with an online lender. But after finding the perfect home and getting their offer accepted, they hit a snag with the seller’s agent. She had some bad experiences with the online lender in the past and, not trusting they would get the deal done, requested the buyers find a local lender who was known for providing excellent service. So they came to us. With time ticking and no extensions given, our team worked around the clock to get the loan fully approved and closed within 30 days. The listing agent was impressed, and both the buyers and the sellers agreed that we’ve earned our good reputation.
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!
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!
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!
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.
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.
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!
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.
Other lenders couldn't offer anything less than a 30 day close. Selecting you for your speed alone was a no-brainer.
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.
Clients came to us after paying cash for the purchase and renovation of their home. Feeling depleted, they wanted to recover some of the outlay and were looking to do a cash-out refinance. We learned there was an old deed restriction in place by a state agency that wouldn’t allow a loan to be put on the property. We had several long meetings with the commission and its attorney. Our client was able to make necessary adjustments to the property and once we showed proof to the agency, we got the restriction lifted. Once in the clear, we used a specialized loan product that offered the borrower a 60% cash out refinance – providing peace of mind and a replenished bank account.
When the odds were against us, your determination got us the cash-out refinance we needed
Downsizing after a divorce relieved my stress and my wallet.
When life took a different path, a newly divorced client called us worried about how she’d maintain the mortgage on her large home. After meeting and discussing her options, she decided that selling the home and purchasing a condo would provide a more manageable home and monthly payment. She started searching in the evenings and on weekends, and wanted to be able to make offers on the spot. That meant we needed to be available to generate pre-approval letters for her anytime, anywhere – which we did. This strategy paid off and she won a bid on a condo. Happy in her new home, she has saved $300 a month and immeasurable stress.
A client was excited to find a home in what he considered the perfect location. But it was through a Sheriff’s sale, which meant a 10% non-refundable down payment was required. In addition, he was a veteran and unsure of how to take advantage of the benefits he was eligible to receive. When we met, we reviewed his financial profile, guided him through the VA lending process and helped apply the gift he had received for the down payment. He was thrilled with the purchase and is now using the money he saved to fix up the perfectly-placed home.
I thought my unique purchase would be a challenge, but your expertise in VA loans got me the home I wanted in the perfect location.
Our mortgage payments were continuing to rise, but a cash-out refi saved us $1,500 a month!
When our past clients could no longer afford the rising payment on their 10-year adjustable rate loan, they came to us looking for a solution that met their budget. Cash flow was important, so our goal was to make it possible for them to access their home’s equity, use it to pay off debt, and reduce their expenses. We focused first on credit repair and were able to increase their score by more than 80 points. This helped them qualify for a new loan, take out more than $20,000 in cash from their equity and pay off existing credit card debt. Between switching to a more flexible loan term and bettering their credit score, their refinance reduced their overall monthly costs by $1,500!
A self-employed borrower relocating from out of state, was already in contract on a home when his loan fell through one week before closing. Following the advice of his real estate agent, he came to us to save the deal. We reviewed his file and explained that, although his income and assets were complex, he could still obtaining financing. We matched him with a specialty product that aligned with his financial profile perfectly. The borrower got an extension from the sellers and within two weeks, we closed on his loan and avoided the year-end tax complications that concerned him most.
Being self-employed, I worried my options were limited when my lender denied my loan a week before closing. You proved they weren't.
You stepped in when our loan was threatened and helped us go from devastation to new homeowners in less than a month.
A past client lost their home in a devastating wildfire and quickly started looking to purchase again. They met with us initially, but were enticed by a lower rate from a major bank. We understood, wished them well and let them know we’d be there if they needed help. Just five days into their 21 day contract, they learned that their bank couldn’t close any sooner than 35 days. They came back to us to see if we could meet their deadline and without hesitation, we assured them we could. We gathered all of their items for approval, moved quickly and closed on time. Three weeks later, our clients we’re homeowners once again – thrilled to have received both great service and super speed.
A buyer was working with his local credit union to purchase the home he was currently renting from his landlord. He thought that the lack of communication from the seller and lack luster service from his lender would delay his loan, so after reading about us online, he gave us a call. He immediately noticed the difference in our hands-on approach, and felt educated and informed about his options. We not only approved his loan quickly, but communicated directly with the seller and ensured that all parties were up to date throughout the process. After we closed, the buyer was so pleased we’d gone the extra mile, he’d already referred three of his friends to us to take care of next!
With my former lender, I felt like I was just another loan, but to you I was a customer and a top priority.
Living out of a trailer for months while battling health problems was not ideal. You kept our spirits up and kept our loan moving forward.
After moving across the country, an elderly couple was temporarily living out of their campsite trailer while they searched for a more permanent place. The borrower was a Veteran with costly medical expenses, so we pre-approved them for a 0% down VA loan and down payment assistance grant that would cover all of their out of pocket costs. After losing out on a deal because of seller renegotiations, they finally found a multi-unit home that provided multiple benefits: an ideal location and additional rental unit to offset their new mortgage payment. After living in a cramped space, they were thrilled to finally move out of their tiny trailer and into their newfound treasure!
A client's pay structure was a bit unique, but knew we had the perfect program for him. By using his bank statements as an alternative to paystubs, we could document his large deposits and distributions he received from his business to calculate his monthly income. This helped get him his maximum pre-approval amount.The next day, the seller and agent accepted his offer over a handful of others because they knew about our local reputation and ability to close deals quickly. 22 days after the property hit the market, all paperwork was complete and a once hopeful dream of owning this home had finally turned into his reality.
I waited for 4 years for a once in a lifetime property. Once it hit the market, you acted quickly and helped me score the winning offer.
You gave new meaning to our Thanksgiving after another lender denied our loan days before closing.
A couple was working with another lender after making an offer on a one-of-a-kind home they had fallen in love with. On the day before Thanksgiving, 14 days before closing, the lender denied their loan because they didn’t know how to properly document their non-traditional teaching income. In a panic and afraid they might lose the home and their initial deposit, they called us in desperation on Thanksgiving day. We met over the weekend, quickly assessed their file and determined we could use the borrower’s semi-annual income as long as we documented it properly. With 12 business days to go, all crises were averted and we closed without a hiccup.
After searching for more than a year in a highly competitive housing market, our client was becoming discouraged. She’d lost out on many homes and was once again placing an offer on a property that had multiple bidders. But this time, the listing agent was familiar with us. We had just worked together on another of her listings that had a 19 day transaction that went smoothly. Our client’s offer wasn’t the highest, but we committed to an 18 day close that the agent knew we could get done. Our reputation won the deal and our client’s offer was accepted. Eighteen days later, her long search had come to an end and her persistence (and ours) was rewarded.
Your reputation of getting the job done quickly helped my offer get accepted even though it wasn't the highest.
We worked with you from across the country and always felt informed, updated and well taken care of.
On an autumn vacation to the lake, a couple fell in love with a waterfront home and put in an offer, but the sellers turned it down. Months later the seller decided to accept the offer if we guaranteed to close by the end of the year. Thousands of miles away and with only 3 weeks to go, our clients uploaded their financials and signed documents using our Home On Time® App. Meanwhile, we were told their home required a new septic system prior to closing. The installer to committed to our timeline- ensuring there would be no delays. We received the completed septic cert the morning of closing and our clients were the new owners of a piece of waterfront paradise!
A self-employed borrower was already in contract on a home, but ran into a roadblock with their lender. The client owned multiple companies in different countries, including one that was in the process of being sold. He also had retirement income and a stack of tax returns. Under pressure from the sellers, the clients were referred to us by their Realtor and we met to discuss their situation. We told them we could get the loan done, but needed all documents upfront. Then we worked directly with their accountant to analyze their taxes and income. We were able to quickly submit their file for approval, get the loan funded and win over the confidence of the Realtor and our clients.
I was under contract and on the verge of losing the home when you stepped in, figured out my complicated income and saved the deal.
After being told 'no' so many times, it was refreshing to find a lender who could make my home purchase happen.
A potential buyer came to us with high hopes after several lenders had turned him away. Upon reviewing his information, we discovered he had complex income that included stock sales and capital gains. We told him we’d dig deeper than the other lenders, and would be able to use his supplemental income to help qualify him for a good loan without any issue. Since he was a newer resident to the country, we also coached him on how to raise his credit score, which helped him qualify for a rate and loan program that worked best for his monthly budget.
After selling their home and while in process of purchasing another, clients were living out of a hotel room with their dogs when they ran into a snag with their lender. They were told they were unable to receive traditional financing for their condo because it was a unique, standalone unit. The lender was only able to offer a high-interest portfolio loan, but the buyers didn't want a large monthly payment. They decided to look for help elsewhere and found us. We reviewed the property and told them we could offer conventional financing with a more competitive rate and a faster closing. After we gathered their docs, they packed up from their hotel and moved into their new home within 20 days!
Disappointed by a big bank, we were living in a hotel until you found a solution to help us buy our condo.
After being denied by another lender 10 days prior to close, you saved our loan and our sanity.
With only 10 days left to close, new buyers were in shock when the lender they were working with denied their application. Frightened they'd lose their home, they searched online for reputable lenders and came across our many 5 stars reviews. When we met, we learned they own a 10-unit apartment complex and had recently made upgrades that allowed them to increase their rental rates. The other lender would only consider rental income from their 2016 tax returns, so they couldn't qualify. After obtaining lease agreements for the updated units and providing an explanation for our underwriter, we got them approved and closed in 3 weeks.
Buyers came to us with income from multiple rental properties and 3 separate businesses that they share with partners. They had found a short sale listing that they couldn't pass up and had made an offer with a set closing date. We had to prep their file quickly. Once we began reviewing all of their tax and income info, we noticed errors on their returns. With their debt ratios close to max, it was vital that we use all applicable income for them to qualify. We worked with the IRS to amend their returns and stayed on track for a smooth sale!
Our complicated self-employment and rental income was no challenge for you.
You helped us formulate a plan for our growing family. So when it came time to choose our lender, we were committed to you because you were committed to us.
A couple was expecting their first child and looking to buy a larger home. They met with us after receiving a recommendation from their Realtor, and we offered our advice on purchasing a new home. They decided to purchase a new construction home that wouldn't be finished for another 5 months. This gave them plenty of time to welcome their new baby and settled into parenthood before needing to move. Once it came time for loan approval, the buyers were encouraged to use the builder's preferred lender. But, appreciating the work we had done with them months before, they wanted to stick with us. We got them approved and into their new home so they could begin the next chapter for their family.
A mortgage veteran came to us looking to refinance and take cash out for much needed home improvements. She had a 30 day deadline and was concerned that a spike in her loan amount would increase her monthly payments. We eased her fears by having her use our Home On Time® App and submit everything we needed for loan approval in one sitting. Then, she took off on a carefree vacation while we went to work. We were able to have her file fully underwritten upon submission, allowing us to close in less than 20 days. Plus, we got her $100k in cash and a lower rate that actually saved her a few dollars on her monthly payments. She came home happy and ready to start work on her home!
I've worked in the mortgage industry for 40 years and know outstanding service and speed when I see it. You have it. Plus, you saved me money on my cash-out refi.
You stuck with us for months while we worked to improve our credit and then helped us buy in the nick of time.
Two new clients wanted to sell their current home and buy a larger one, but needed to improve their credit scores before they'd be able to get formally approved. Once they were ready, they put their home on the market and received an offer two days later with a request for a quick closing. With just three weeks until their move-out date, they put an offer on a new home and we began working on their approval. Everything went like clockwork until the appraisal came back $5k short of list price. We worked with the Realtors and sellers to negotiate a closing cost credit for our clients and everyone was able to move into their new homes by Christmas.
After getting into contract, her lender told her that she couldn't qualify for a loan unless she paid off debt and put more money down. Already tight on cash and not wanting to lose her earnest money deposit, she needed a solution. It was 2 days until the financing approval deadline and less than a month until closing, when she called us. We quickly assessed the situation and assured her we could get the job done. We pre-approved her for a 3.5% down FHA loan, but needed to document gifted funds from her family. We closed within a week of her initial closing date. Both parties were happy the deal was saved, and the borrower was grateful we stepped in to keep her homeownership dream alive.
When another lender wouldn't honor my pre-qualification two days before the deadline, you came through and ensured I didn't lose out on my first home.
You were our second opinion but became our first choice.
A couple expecting their first child was working with another lender. Feeling their best interests were not being met, they were referred to us for a second opinion. We looked at their complete financial profile and found multiple options that would work with their budget. We showed them how we could offer a rate lower than the other lender, require 5% less down, and suggested a flexible mortgage insurance option that would result in a lower monthly payment. Beyond the savings, they were thrilled with our customer service and chose to work with us over the other lender. We had barely finished closing on their new home when they contacted us about a future transaction.
A single mom was looking to purchase a new home and relocate so her disabled son could have access to better healthcare. A year earlier, rising medical expenses and a divorce that left her without child support forced her to foreclose on her home. Fast forward to today, she had a steady income and paying her bills on time. She feared the only way she could buy again was with a double-digit interest private loan and a roommate who could help her make the mortgage payments. We reviewed her credit/income profile and approved her for a low interest USDA loan. Relieved, she went from thinking it would be years before she could buy again, to moving into her new home a month later.
After my foreclosure last year, I thought a high-interest private mortgage was my only option. You changed my perspective and my life.
Your unique process of using bank statements to determine my true income helped me secure my dream home.
A hard-working client was feeling discouraged after being denied by several lenders. Self-employed for 30 years and with various write-offs to consider, her debt-to-income ratio appeared to be too high. But her credit was excellent and she had a sufficient down payment. By using our bank statement program, we were able to analyze her assets over a 24 month period and average out the business deposits she'd received. This calculation resulted in an income figure that was higher than those on her taxes and one that was more reflective of her actual monthly take home pay. Thanks to this creative loan program, she's now balancing both work and life from the comfort of her new home.
A couple looking for a cash out refinance for a home improvement project had been working with other lenders unsuccessfully. Their credit scores were too low and they needed to clear up various collections to qualify. They tried for months and thought all hope was lost until they met us. After analyzing their credit, we told them we could use their cash out refi to repair their credit. The deal resulted in their credit scores increasing by 30 points each, and $50,000 cash out to do their project plus pay off collections, car loans, and credit cards. With their credit and hope restored and project money in hand, they were reenergized and inspired to achieve their home improvement vision.
You didn't just help us with our refinance, you gave us a complete credit and home makeover!