Share your goals
Buying or refinancing a home can feel overwhelming. Start by telling us what you want the home to do.
A simplified process
Your home is where you build memories, and where you build a life. Getting the mortgage in front of that can feel like too much. I Lend Loans puts you first.
You work with a loan officer who stays on the file, plus a short application you can finish on your phone. The mix is guidance, a real set of options, and a process that stays simple.
Learn about usHow it works
Easily apply
Send a short application from your phone or computer. It takes a few minutes, and a person reads it.
Explore your options
With a clear picture of your goals and finances, we look for the loan program that fits. An application is not an approval.
See what loan is best for you
Everyone’s situation is different. With conventional, FHA, VA, USDA, jumbo, refinance, and home equity on the table, we help you land on a loan you feel good about.
C
Conventional
A standard mortgage for primary homes, second homes, and many investment properties.
Learn moreFFHA
An FHA-insured mortgage often used by buyers with a smaller down payment.
Learn moreVVA
A home loan benefit for eligible veterans, service members, and some surviving spouses.
Learn moreUUSDA
A no-down-payment option for eligible buyers in qualifying rural and suburban areas.
Learn moreJJumbo
Financing above the conforming loan limit in your county.
Learn moreRRefinance
Replace your current mortgage with a new rate, term, or both.
Learn moreCCash-out refinance
Replace your mortgage and turn part of your equity into cash.
Learn moreHHELOC
A home equity line of credit you can draw from, usually at a variable rate.
Learn moreHHome equity loan
A lump-sum second mortgage, usually at a fixed rate.
Learn moreFFirst-time buyer
A plain-English path through down payment, credit, and the first offer.
Learn moreWhy I Lend
We're here to help
This is the work: a range of residential loans, clear guidance, and an experience that stays calm. The aim is a home you can close on.
Ryan Chen, NMLS #2888518, originates loans through Loan Factory, Inc., NMLS #320841.
Learn about us