Welcome To I Love My Lender

A Lender
With More To Love

Helping you understand the process, and how to take advantage of fluctuations in lending rates.

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

Let’s find out what your rate would be today.

Designed With Differences We Hope You’ll Love

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

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.

Learn More

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

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.

Learn More

Resource Guide

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

Learn More

Purchase Strategy

Refinance Strategy

Today’s Mortgage Rates

Pre-Qualify

Calculators

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…

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Reverse Mortgages – HECM

You have built up the equity. Why not let it make your life easier? If you are 62…

Learn More

Stated Income (bank statement or P&L loans)

Write offs make the income on your tax returns unable to cover lender DTI…

Learn More

Standard Mortgages (with or without cash out)

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

Learn More

VA Refinances and VA IRRRLs

Take advantage of your service credentials. Limits have been removed so…

Learn More

Reverse Mortgages – HECM

You have built up the equity. Why not let it make your life easier? If you are 62…

Learn More

Stated Income (bank statement or P&L loans)

Write offs make the income on your tax returns unable to cover lender DTI…

Learn More

Standard Mortgages (with or without cash out)

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

Learn More

VA Refinances and VA IRRRLs

Take advantage of your service credentials. Limits have been removed so…

Learn More

Reverse Mortgages – HECM

You have built up the equity. Why not let it make your life easier? If you are 62…

Learn More

Stated Income (bank statement or P&L loans)

Write offs make the income on your tax returns unable to cover lender DTI…

Learn More

Get A Quote

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

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. No limits, additional requirements and ratio restrictions may apply…

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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…

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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…

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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…

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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. No limits, 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:

    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.

    Get A Quote Now

    The Loan Process – Today

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

    Take The First Step Towards
    The Right Mortgage

    Find Out What You Qualify For

    How Do You Qualify For A Loan?

    Lenders determine the amount they’re willing to lend you by considering several key factors, including:
    – Your credit score
    – Your DTI (debt-to-income ratio, essentially your monthly income vs. your expenses)
    – The specific loan program you’re applying for
    In essence, the loan program takes precedence over everything else. For example, a bank statement loan uses a different method to calculate DTI, and in the case of a reverse purchase or refinance, income isn’t a primary consideration—rather, it focuses on your ability to cover taxes and insurance. Given that new programs are constantly emerging, it’s advisable to consult with a knowledgeable expert to identify the most suitable and up-to-date solution for your needs.

    Closing Costs – To Show Or Not To Show?

    Closing costs are an inevitable part of any loan, encompassing expenses such as Title, Escrow, and Appraisals. Your choice lies in whether to transparently pay these costs upfront or incorporate them into your mortgage rate, which will, in turn, increase your monthly payment. The decision hinges on the duration for which you intend to keep the loan:
    – Short Term: If your plan involves quick refinancing (for example, in the case of fix-and-flip projects or if you anticipate interest rates dropping soon), it’s more advantageous to include these costs in the rate. This way, you spread the expense over the loan’s entire term, which can significantly reduce the immediate financial burden. For instance, if you have a 30-year loan and refinance within 6 months, you’ll only pay a fraction of these costs.
    – Long Term: Conversely, if you intend to retain the loan for its full term or an extended period, it’s wiser to itemize and pay these costs at the closing stage. This approach typically results in lower overall expenses, as incorporating them into the rate means you’ll accrue interest on them over time.

    Write Off Most Income? We Have Plans For You.

    Lenders consider several factors when evaluating your eligibility for a mortgage, and one of these factors is your monthly gross income. This income is assessed before taxes but after accounting for deductions. If you’re self-employed or a business owner, you might earn a substantial income but often deduct a significant portion of it to mitigate tax liabilities. As a result, your traditionally quantifiable income for mortgage qualification purposes can appear limited.
    – Bank Statement Loans or P&L/Balance Sheet Loans: These types of loans deviate from the standard personal tax return rules. Instead, they focus on your monthly personal deposits to determine your qualification, allowing for a more flexible assessment of your income.

    Resources – Personal, Business And PPE

    Discover a wealth of free resources, including links to websites, software, and various tools designed to enhance productivity and simplify daily life. Explore an effortless phone number search tool for any company, complete with strategies to expedite your connection with a live representative. Additionally, find information on a US cell phone provider offering unlimited text, data, and worldwide calling for as little as $30 per month for a single line. Dive in and explore many more valuable resources waiting for you.
    Business Resources
    Explore an array of items, programs, and web links aimed at simplifying life and boosting productivity.
    Effective PPE
    Learn about N95 masks, including proper care instructions, reliable sources to obtain them, distinctions between various types, and the significance of wearing personal protective equipment (PPE) that prioritizes your safety.

    How Do You Qualify For A Loan?

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    Closing Costs – To Show Or Not To Show?

    Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.

    Write Off Most Income? We Have Plans For You.

    Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.

    Resources – Personal, Business And PPE

    Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.

    How Do You Qualify For A Loan?

    Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.

    Closing Costs – To Show Or Not To Show?

    Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.

    Write Off Most Income? We Have Plans For You.

    Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.

    Resources – Personal, Business And PPE

    Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.

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