Cut the middleman and deal directly with the bank – that’s us!

Direct lenders are those that are licensed to originate, process, underwrite and fund their loans with their own money. Doing the whole process in-house allows for more efficient and faster processing which saves time and money.

As a direct lender, we process your loan from start to finish, and that means no middlemen to deal with and no broker fees to pay.

Those savings are then passed on to you!

Lowest Rate Guarantee or we will pay you $1,950!

We stand by our commitment to give you the lowest cost mortgage in the market. And we are willing to pay you $1,950 if you can find another lender that can beat our combination of rates, points and fees.

1. Submit your application online, and receive your approval.

2. Present us with a lower Good Faith Estimate from a national lender for the same Program and Rate, and we will do our best to beat their pricing.

3. If we can’t beat the other lender’s pricing, present us with a copy of your Final HUD 1 closing statement to confirm that the loan closed with the other lender on the terms quoted in their GFE.

4. We will then send you a check $1,950.

**Terms and Conditions:
Applies to first mortgage conforming fixed loan programs only offered by LenderFi.com up to $417,000. Competing offer must be from a national lender. The rate, points, fees, commitment period and loan program offered by the competing lender must be dated and presented to LenderFi.com on the day of the offer. Competing offer must be presented to LenderFi.com prior to locking rate with LenderFi.com. For loans already locked, our standard Float Down Policy will apply. Home Affordable Refinance loans (HARP Loans) are excluded.

Our Secure online system can approve you instantly and lock your rate!

Searching our real time rates is quick and easy. Our state of the art system allows you to do the search just by typing in some non-personal information, and you can view the results in a few seconds. It also allows you to view our Guaranteed Closing Cost based on the information you entered.

The results will display multiple loan options that you can choose from. Once you have decided which loan program is right for you, you may then submit an online application and can receive an online approval immediately. You may also lock in your Guaranteed rate online, and you will be provided with an official Good Faith Estimate as well as your state specific disclosures.

All these can be done in about 15 minutes. Start searching our rates now!

Close your purchase in as little as two weeks

Chances are you are in escrow and are looking for more competitive rates and closing costs.

LenderFi's technology allows you to Search our Rates, Apply and Lock your Interest Rate online in less than 15 minutes. We are equipped to close in 2 weeks by housing processing, underwriting and funding in one location. You are assigned to a dedicated Purchase team that focuses only on Purchase clientele. We do not use AMC's (Appraisal Management Companies). We use direct independent appraisers in your local area which speeds the delivery of your appraisal report.

You can receive an Underwriting decision within 24 hours, or even same day; upon delivery of a complete income and asset package with purchase contract.

Our Intake Staff will contact you to deliver a complete package through our secure web based doc delivery system.

Documents must arrive the same day you are contacted.

1. First, search our Rates and select the loan program that's best for you
2. Apply Online and Lock in your Rate, you will receive a list of requested documents;
• 2 years W-2's
• 2 years Federal 1040's and all schedules
• 2 most recent checking / savings account statements for funds to close and reserves
• 30 days most recent paystubs (if applicable)
• Copy of all borrowers Driver License (Patriot Act Requirement)
• Accepted Purchase Contract and/or Short Sale Agreement
• Contact Name and Number for Real Estate Agent and Settlement Agent
3. Include scheduled closing date in the "Notes" section of your online application
4. To expedite your application call 888-342-0000 to speak with our Intake Department