Secure a mortgage, stress-free.
Maximize your investment with a tailor-made loan from Lendspire, designed to fit your specific needs.
Who we are
Since our inception, we have believed that the mortgage process could be better for consumers. Our goal was to prioritize the customer experience by delivering a white glove touch throughout the mortgage process, which results in our clients having a hassle-free and rewarding mortgage experience. Our main focal points for delivering the best client experience are personalized service, transparent communication, speed, tailored solutions, and competitive pricing.
Learn more17 days
Avg. Closing Time
20+
5 star reviews
10+
Years of mortgage experience
Where are you in your home loan journey?
Turn your dream home into a reality.
Refinance an existing loan with ease and confidence.
Our simple home loan process
Pre-Approval
Before house hunting, potential buyers should get pre-approved for a mortgage. This involves submitting financial information to a lender who then evaluates credit history, income, debts, and assets to determine your loan terms.
Loan Application
Once pre-approved, buyers can start looking for a home within their budget. After finding a property and agreeing on the price, they formally apply for a mortgage. This step requires updated detailed financials and documentation.
Lock Rate
When you lock in a rate, you and the lender agree to a specific interest rate for your mortgage. This rate remains unchanged irrespective of market fluctuations during the lock period. The lock-in period usually ranges from 15 to 60 days.
Loan Processing
The lender processes the application, which includes verifying all the information provided by the applicant. They may request additional documents or clarification. During this stage, an appraisal of the property is also conducted to assess its market value.
Underwriting
In this critical phase, the underwriter reviews all documentation and decides whether to approve or deny the loan based on criteria like credit score, debt-to-income ratio, and property value. This is where the lender takes on the financial risk of the loan.
Closing
The final step is closing. This involves signing a variety documents that finalize the mortgage process. The buyer typically pays the closing costs, and the ownership of the property is transferred. Once this is completed, the buyer is now the new owner of the home!
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