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WELCOME TO LendEase MORTGAGE GROUP

LendEase Isn’t just a mortgage company – it’s a dream turned real. Our goal, set by our founder, is to give you personal and professional service for your mortgage needs. Today, we’re proud to say we’ve not just met but exceeded that goal.

At LendEase, we get how big a deal it is to buy a home or invest in property. We’re here to make getting a mortgage as easy as possible for you. Our team of experts works hard to find the best solutions that fit your needs. We believe in being honest and clear in what we do, and our main mission is to provide top-notch customer service. We know that your happiness is what makes us successful.

Loan Programs

A conventional loan, also known as a conforming loan or qualified mortgage, adheres to the guidelines established by Fannie Mae and Freddie Mac and can be utilized for home purchases and refinancing. This type of loan is particularly suitable for individuals with an outstanding credit history and stable full-time employment.

Key features of conventional loans include:

 

  • Down payment as low as 3%
  • Premium mortgage insurance not required with a 20% down payment
  • Minimum credit score of 620
  • Applicable to single-family homes, townhomes, apartments, and multifamily properties (1-4 units)
  • Can be used to finance primary residences, vacation homes, or investment properties
An FHA loan, insured by the Federal Housing Administration (FHA), is a government-backed loan that falls under the category of qualified mortgages. It’s an excellent choice for first-time homebuyers with average credit seeking more lenient credit and income criteria.

Key features of FHA loans include: 

  • Down payment as low as 3.5% for credit scores above 580
  • Allows for higher debt-to-income ratios
  • Suitable for borrowers with past credit delinquencies (e.g., bankruptcy)
  • Requires premium mortgage insurance
  • Not applicable for financing vacation homes or investment properties
A non-qualified mortgage (Non-QM) is a loan designed to assist borrowers who don’t meet the criteria for a conventional or FHA loan. Instead of adhering to Fannie Mae and Freddie Mac’s guidelines, lenders establish their own, allowing for more flexible underwriting. Non-QM loans are ideal for self-employed individuals, foreign nationals, high net worth individuals, or those seeking loan amounts above conforming limits.

Key features of Non-QM loans include:

  • Easier qualification compared to conventional or FHA loans
  • Suitable for borrowers needing loan amounts higher than $726,200 (jumbo loans)
  • Applicable for financing primary homes, vacation homes, or investment properties
  • Requires a credit score of 620 or above (some cases allow for 580)
  • For investment properties, qualification can be based on the property’s cash flow instead of personal income

A foreign national loan is tailored for individuals from other countries who wish to buy a second home or investment property in the United States. Applicants can use their income from their home country to qualify for a U.S. mortgage, often without needing an established U.S. credit history.

Key features of foreign national loans include:

  • Loan Amount up to $2 Million
  • Up to 75% Loan to Value
  • Overseas assets allowed
  • 3, 5, 7 ARM, 30 year fixed programs
  • 30 Year Amortization
  • RON allowed
  • Cash-out allowed
  • One bank reference letter
  • CPA Letter for last 2 year & year-to-date
  • Overseas liquid assets allowed as reserves
  • Gift funds allowed

Need financing for your real estate investment? LendEase Mortgage offers hard money loans with flexible terms and quick closings.

Key Features:

  • Up to 70% loan-to-value
  • Financing available for foreign nationals
  • Quick closings on residential, commercial, and rehab loans

Loan Programs:

  • Private money lending
  • Fix and flip loans
  • Commercial property financing
  • Quick bridge loan solutions
  • Construction loans
  • And more

Flexible Terms:

  • No prepayment penalties
A jumbo loan surpasses the loan limit set by Fannie Mae and Freddie Mac, known as the conforming loan limit. In Florida, the conforming loan limit was $726,200 as of 2023. Any mortgage exceeding this amount is classified as a jumbo loan. Jumbo loans are ideal for those seeking luxury homes or properties in high-cost areas.   

Key features of jumbo loans include:

  • Down payment as low as 20%
  • Available for foreign nationals
  • Minimum credit score requirement of 680
  • Applicable for financing primary homes, vacation homes, or investment properties
  • Option for no income verification or credit score requirement for investment properties
A No-Income DSCR loan is tailored for rental investors seeking a mortgage based on the property’s cash flow. This loan type utilizes the debt service coverage ratio (DSCR) to determine the portion of a property’s income that can cover monthly mortgage expenses, such as principal, interest, taxes, insurance, and HOA fees (PITIH). It’s an ideal choice for rental property owners who are self-employed or foreign nationals and face challenges verifying all their personal income.

Highlights of the No-Income Verification DSCR Loan include:

  • Minimum credit score requirement of 640
  • Minimum down payment of 20%
  • Option for interest-only payments
  • Gift funds are permitted
  • Applicable for financing single-family homes, condos, condotels, non-warrantable condos, and multifamily properties (2-4 units)
A commercial loan serves various purposes, including purchasing, refinancing, or improving commercial assets like office spaces, retail locations, multifamily buildings (5+ units), or mixed-use spaces. These loans offer both fixed and variable rates, with the underwriting process emphasizing the quality and income-generating potential of the asset. Commercial loans are suitable for business owners, commercial real estate investors, and developers.

Highlights of Commercial Loans include:

  • Maximum Loan-to-Value (LTV) ratio of 65%
  • 1-3 year loan terms
  • No maximum loan amount
  • Availability of fixed and variable rates
  • No personal income verification required
  • No minimum credit score requirement
  • Available for foreign nationals
A bank statement loan offers borrowers a way to qualify for a mortgage without the need for tax returns, W-2s, or paystubs. This type of loan is particularly beneficial for self-employed individuals who struggle to verify all their income or have significant tax deductions. Instead of traditional income documentation, lenders review bank statements to assess a consistent pattern of deposits, providing a clearer picture of the borrower’s income and helping them qualify for a mortgage.

Highlights of Bank Statement Loans include:

  • Suitable for small business owners, real estate investors, freelancers, doctors, lawyers, etc.
  • Requires providing 12-24 months’ worth of bank statements
  • Minimum credit score requirement of 620
  • Down payment as low as 10%
  • Applicable for financing primary homes, vacation homes, or investment properties
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why choose us ?

Our loan experts are committed to delivering a seamless mortgage experience, thanks to our simplified process and complete transparency from application to fund

Local Expertise

With a solid 10 years in the real estate financing domain, our team and company stand as seasoned experts, consistently delivering impactful solutions in the ever-evolving local market.

One Stop-SHop

Share your goals and budget with us, and we'll present you with the best mortgage options, guiding you to the closing table swiftly.

Customer Care

Our team offers personalized assistance tailored to your needs and communication preferences.

CHECK OUT WHAT LendEase HAS TO OFFER

mortgage

Mortgage Loans

We’re dedicated to securing the mortgage loans you require. With our wealth of experience and expertise, rest assured, we’ll deliver results.

  • Up to 96% financing for U.S Citizens.
  • Up to 70% financing for foreign nationals
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Commercial Property Loans

Our focus lies in commercial loans and loans for foreign nationals. Count on us for unparalleled service and the most competitive rates in the industry.

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Private Real Estate Loans

When seeking a private loan, LendEase stands as the optimal choice. Our private loans offer greater flexibility compared to conventional options.

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Lastest News

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March 5, 2024

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OUR INTERNATIONAL MARKET

Any country not included in the list of nations subject to sanctions by the United States Government.

  • Central America
  • Spain
  • Portugal
  • Ecuador
  • Mexico
  • Canada
  • Chile
  • Peru
  • Bolivia
  • Colombia
  • United Arab Emirates
  • Qatar
  • Saudi Arabia

Supported by the finest and largest.

Supported by renowned financial institutions known for their strong reputation and stability, ensuring trustworthy and reliable backing for our services.

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© 2024 LendEase. All right reserved. . company name is an Equal Housing Lender. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.
We operate as a Mortgage Broker, Not a Mortgage lender or correspondent Lender.