theLender

Address: 25531 Commercentre Drive, Lake Forest, CA 92630

https://www.thelender.com/

Internal Reviews

(2 reviews)

Total loans closed with Loan Factory
18,663

Total loans closed with Loan Factory (past 12 months)
15,070

Lender overview

QM Program

Conventional

FHA

FHA Streamline

FHA DBA

USDA

Loss Payee

Hometown Equity Mortgage, LLC dba theLender ISAOA 25531 Commercentre Dr #250 Lake Forest, CA 92630

CPL or Subordinate Clause

Hometown Equity Mortgage, LLC dba theLender ISAOA 25531 Commercentre Dr #250 Lake Forest, CA 92630

Lock Policies

Lock extension

N/A

Relock

+0.25% to price and worst case pricing compared to time of lock and relock date

Lock & Shop

Lender's Niche

Home mortgage lender specializing in personalized loan products.

Offers proprietary non-QM (non-qualified mortgage) solutions.

Serves both individual borrowers and mortgage brokers.

Focus on excellent customer service and streamlined financing.

Aims to simplify the home financing process.

Lender's overlays

Every loan will need a FICO score except Foreign National DSCR.

Credit report must be within 60days from submission.

VOD is required on all loans that require borrower to come in with money at closing

Initial underwrite (days)

CTC conditions review (days)

Initial CD (days)

Review - theLender

3.0

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