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ABOUT US

Designed With Differences
We Hope You’ll Love

To exceed the boundaries of ordinary lenders, pushing the edges of technology and customer service.

Technology is quickly taking over the banking industry. In a world where most would like full online access to mortgage products, the industry, overall continues to get closer to this. We see ourselves not only on that forefront, but driving its objectives, making borrowing on real estate easier and more interactive.

  • Guide To Loan Types

    Conventional, VA, Jumbo, HELOC, USDA, Stated Income (bank statement or P&L), Fix & Flip, and Commercial. Understanding the differences and general requirements.

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  • Resource Guide

    Personal, Business, PPE – tools and toys to make your journey easier, now and after your loan.

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About About

35+ Years

With experience in residential and commercial lending and sales, a strong grounding in technology and a vision to clearly see the future of banking

What You Should Expect

We Have Solutions For Many
Refinance and Purchase Situations

Standard Mortgages (with or without cash out)

Conventional, FHA, VA, High-Balance, Jumbo, HELOC – what best fits your situation?

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VA Refinances and VA IRRRLs

Take advantage of your service credentials. Limits have been removed so a VA loan of any size is possible. Existing VA to VA refinances (VA IRRRL) are extremely easy and require minimal paperwork.

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Reverse Mortgages – HECM (home equity conversion mortgage)

You have built up the equity. Why not let it make your life easier? If you are 62 years or older and have about 50% equity in your home, you probably qualify. Take cash out, make no payments and never make another mortgage payment.

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Stated Income (bank statement or P&L loans)

Write offs make the income on your tax returns unable to cover lender DTI (debt to income ration) guidelines? There are other answers. 12 or 24 month bank statement and P&L programs may be your answer.

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“Enhanced” Pre-Qualification

Today many properties are selling above asking price, and being paid for all cash. How can you compete? If you have other assets you can pull cash from, bid all cash and refinance the property once it is won. If that is not an option, our “Enhanced” Pre-Qualification gives a seller greater confidence in your offer. Greater than a standard bank Pre-Qualification.

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Reverse Purchase

If you are minimum 62 years of age and have cash to invest, buy more property with a HECM (home equity conversion mortgage or reverse mortgage) purchase. Rule of thumb is about 50% equity to purchase a property with a reverse, but it allows you to buy much more real estate and never make a mortgage payment.

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VA Purchases

The Veteran’s Administration via the Federal Housing Administration makes it easy for those who have served (or are serving) to purchase a home. $0 down, no PMI and they have removed size restrictions so any loan amount you qualify for can be granted under the VA.

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USDA Purchases

$0 down, no PMI, in designated rural areas where there are growth initiatives.

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Get A Mortgage Quote

Give us a little info and let us find the best fit for your situation

Refinance Purchase
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Record
OUR FOCUS

Achieved Through Hard Work

Years of
Experience
Access Your Way
Live, Live Chat, Online
Technical
Innovation
Timely Industry Updates
Info To Give You An Edge
Get Our Rate & Industry Update
THE LEADING PROCESS TODAY

The Loan Process – Today

Many changes have occurred in the mortgage industry since the COVID 19 Outbreak. Some affect the loan process itself.

01

Application

With a live agent or a secure online form.

02

Documents

Sent via email, secure upload, fax or mailed to us.

03

Lock It – secure your rate

Locked for a specific period. Usually 30-45 days.

04

Disclosures (Loan Estimate)

Includes approximate loan amount and costs. More importantly are the Intent to Proceed, and documents we need to remain compliant and do our job.

05

Appraisal (if needed)

Depending on the circumstances we may or may not receive a PIW (property inspection waiver or appraisal waiver) through FNMA and FMAC.

06

Additional Documents

Underwriting, final say on all loans, may require additional documents. Our processors will work with you to make certain we receive them in a timely manor.

07

Final Disclosures (CDs or Closing Disclosures)

This final summation includes correct amounts, payoffs, interest rate & APR, costs, credits and cash in or out.

08

Signing Final Documents

The final loan documents are signed in person, in front of a notary. It can be held at the location of your choice or at the local escrow office.

home loan lender
LENDER METHODS

The I Love My Lender Difference

Being easily accessible on a number of platforms. Utilizing secure technology to improve your experience. Offering current updates on the mortgage industry and rate trends. ILML is a direct lender so we do fund our own loans. We are also affiliated with over 100 other lenders, providing extremely competitive rates and programs that accommodate most scenarios.

Continue to explore the website or speak with one of our mortgage professionals. Call us. You will never hear the words, “Please listen to all options as our menu options have recently changed”. Not ever. Not even if we change them. We do promise to make it easy to reach a real person.

Our seasoned loan officers will assist you with finding a great rate with a program that meets your needs, offering options and understanding. Please utilize us.

Get A Quote Now

Refinance Purchase
LOAN CATEGORIES

Find The Right Loan For You

Standard

Conforming & High-Balance

Most common refinance method, remove PMI, lower rates, access equity

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Jumbo

Jumbo Loans

Beyond a cities conforming limit, a loan is a Jumbo. Higher rates, additional requirements and ratio restrictions may apply.

READ MORE
Reverse

Reverse Mortgage or HECM

HECM (home equity conversion mortgage or reverse mortgage). You built up equity. Why not use it to make life easier? Refinance, take cash out, make no payment and never make another mortgage payment.

READ MORE
Fix & Flip

Fix & Flip

Get a loan on your property which includes its current value, and takes into consideration upgrades you plan. Additional funds granted for those upgrades.

READ MORE
VA Loans

VA Loans & IRRRLs

Use your past (or present) military status to refinance a standard loan to a VA at a lower rate. Perhaps pull out some equity. VA to VA (IRRRL) refinances are quick and require very little paperwork.

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USDA

USDA to USDA streamlines

Already have a USDA loan? Refinance USDA to USDA to lower your rate. Quick loans requiring little paperwork.

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Stated Income

Bank Statement or P&L (Non-QM Loans)

Too many write offs? DTI (debt to income ratio) won’t qualify for a conventional loan? Our programs accept 12 or 24 months of banks statements or your business P&L to qualify your loan.

READ MORE
Standard

Conforming & High-Balance

Most common way to buy property. Requires a down payment, possibly other costs and your income must qualify you.

READ MORE
Jumbo

Jumbo Loans

Beyond a cities conforming limit, a loan is a Jumbo. Higher rates, additional requirements and ratio restrictions may apply.

READ MORE
Reverse

Reverse Mortgage Purchase

At age 62, with about 50% equity you can purchase a home and never make a mortgage payment.

READ MORE
VA Loans

VA Purchase

$0 down, no PMI and no loan limits. Rates generally run lower than conventional loans.

READ MORE
Commercial Lending

Commercial Purchase & Refinance

Vary greatly depending on situation. Please speak with one of our experts. Give us some basic information about your scenario below:

Potential Interest
Give us a few specifics
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Take The First Step Toward
The Right Mortgage

Find Out What You Qualify For

Refinance Purchase

Commercial Loans

FAQ
Client Love

Clients Showing Us A Little

I really love my lender. They were there – every step of the way… I felt like they cared and I was on the ball with all the requests and docs needed. I really think this was the best thing for me – getting my refinancing in order so I can get a lower payment and best of all, all the costs were shown to me up front with no surprises. So perfect.

I had a weird situation. I was just about to go back into the service, and I needed a home for my family. I Love My Lender helped me get into a VA loan, with no down payment, and things couldn’t be better.

I didn’t think it was possible to truly love my lender – but there you have it. Fast, responsive, friendly and knowledgeable – Barry and his associates helped me through every single step of the process. Thank you!!

INDUSTRY NEWS

Featured Mortgage News And Insights

Blog Mortgage Rates & The Federal Reserve
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Where Are Rates Headed

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  • 10 April 2020
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Mortgage vs. Consumer Reports. Optimizing Yours.

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Blog Rates
  • 11 April 2020
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Current & Historic Throughout The Pandemic – Sample Rates From February 2020, 10-Year Treasury Note And Inflation Tracking

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