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Mortgage solutions for every stage of your journey
We Always Have
Solutions!
Flexible mortgage solutions designed around your financial goals.
Access to
Multiple Lenders
Multiple Lenders
Competitive
Solutions
Solutions
Personalized
Guidance
Guidance
A Clear &
Simple Process
Simple Process
Beyond the Standard Mortgage.
Alongside traditional loan programs, LendEase helps you explore specialized financing and alternative documentation options for goals that call for a different approach.
Featured programs
Alternative Documentation Options
Flexible options for today's homebuyers and homeowners.
01
Primary Residence Purchase
No Income Documentation
Explore alternative documentation programs designed around your financing needs.
- Explore purchase financing
- Flexible documentation options
- Personalized lender matching
- Primary residence solutions
- Options for eligible first-time homebuyers
- Florida homestead exemption may apply*
Subject to lender guidelines and eligibility. Documentation requirements vary.
*Florida homestead exemption depends on ownership, permanent residency and other requirements. Apply through your county property appraiser, who determines eligibility; the loan itself does not qualify you for the exemption.
Have 20% down and a 640 credit score, but no income?
You may qualify to buy your primary home with a credit score as low as 640—without tax returns, W-2s, or pay stubs. This may be an option if your tax returns don’t reflect your current earnings.
Buy now, then explore refinancing after building a two-year documented income history. Approval depends on lender requirements, including credit, down payment, and reserves. Future refinancing is subject to qualification and available rates.
02
Cash-Out Refinance
No Income Documentation
Explore alternative documentation programs designed around your financing needs.
- Access available home equity
- Explore cash-out options
- Compare lender requirements
- Guidance through your refinance
Rate and Term Refinance
Explore long-term savings
Refinance your existing mortgage to explore a lower interest rate, a different repayment term, or a more manageable monthly payment.
- Potentially lower your monthly principal and interest payment
- Shorten your loan term to pay off your mortgage sooner
- Explore switching from an adjustable rate to a fixed rate
- Compare options based on your financial goals
Subject to lender guidelines and eligibility. Documentation requirements vary.
Savings depend on your current loan, new terms and closing costs. Extending the repayment term may increase total interest paid.
03
Hard Money Refinance
No Income Documentation
Explore alternative documentation programs designed around your financing needs.
- Alternative financing options
- Property-focused solutions
- Flexible ownership scenarios
- Support from application to closing
- First-time homeowners: ask about refinance eligibility
- Florida homestead exemption may apply*
Subject to lender guidelines and eligibility. Documentation requirements vary.
*Florida homestead exemption depends on ownership, permanent residency and other requirements. Apply through your county property appraiser, who determines eligibility; the loan itself does not qualify you for the exemption.
Your original down payment may keep working for you.
The down payment you made when you purchased helped build equity in your property. When refinancing, the lender may use your available equity toward its loan-to-value requirements, so you may not need to make another down payment.
Eligibility depends on your property’s current appraised value, existing loan balance and lender requirements. Closing costs, fees, reserves or a cash contribution may still be required. We’ll help you review the numbers and understand any funds needed before closing.
All Mortgage Solutions
Find the right loan for your home, investment or business.
National Mortgage Rate Average
Source: Mortgage News Daily · View current rates
National averages—not a LendEase rate quote or commitment to lend. Actual rates and terms depend on your qualifications and lender requirements. Source content is provided in English.
Estimated Monthly Payment
$2,623 / month
Principal & Interest$2,023
Property Taxes$400
Homeowners Insurance$200
HOA & Mortgage Insurance$0
Loan Amount$320,000
Illustrative estimate only. The interest rate shown is an example, not a current rate quote or commitment to lend. Additional costs may apply.
Why choose LendEase
A Mortgage Partner
You Can Trust
As a mortgage brokerage, we give you access to multiple lenders, more loan options and personalized guidance to help you achieve your goals.
More
Loan Options
Loan Options
Access to multiple lenders.
Personalized
Guidance
Guidance
Support for your goals.
Language
Support
Support
Ask about language assistance.
A Clear &
Simple Process
Simple Process
From application to closing.
A Simple Mortgage Process
From application to closing, we're here to help.
1
Apply
Start your application.
2
Submit Documents
We help you prepare what your lender needs.
3
Close
Move forward with confidence.
Frequently Asked Questions
What loan programs do you offer?
We help borrowers explore conventional, FHA, DSCR investor, foreign national, hard money and refinance options. Availability depends on your needs and lender guidelines.
Do you offer loans with alternative documentation?
Alternative documentation programs may be available for eligible borrowers. Lender, property and credit requirements vary. Contact us to discuss your situation.
Can I use a gift for my down payment?
Some programs allow gift funds, subject to lender requirements for the donor, source and documentation. We can help you understand the options.
How long does the process take?
We work quickly and have closed loans in as little as 14 days. Some loans take about 30 days, and others may take longer. Timing depends on the loan program, lender underwriting, appraisal, title and complete documentation. A specific closing date or approval is not guaranteed.