Buy a home now.
FREE refinance later.*

Today’s busy borrowers don’t have time to schedule phone calls with banks to see if they qualify. We make the home loan process more accessible than ever by allowing you to apply for a mortgage online without unnecessary fees or delays.

You’ll work with a dedicated loan officer to find in-person and online lenders whose products match your financial situation. Upload everything to our portal, such as your tax returns, pay stubs, bank statements, and credit reports, and get quick loan estimates.

We strive to be highly responsive throughout the mortgage application process. You can contact us anytime to learn more about lowering your interest rate through points, your estimated closing costs, and what further information your lender may need.

Our team will send you timely updates on your loan application, rate locks, estimated closing costs, and closing details right to your inbox. This innovative approach allows us to complete the closing process faster than the industry average.

Everyone’s financial goals differ, meaning there is no one-size-fits-all home loan option. When you apply for a mortgage with District Lending, we’ll consider all the factors that make up your application, such as your credit report, income, and bank statements, and then recommend the right mortgage products for your needs.

For example, those needing a more affordable monthly payment may want to explore FHA loans, government-backed loan products designed for borrowers with low credit scores. Veterans will appreciate that VA loans require no down payment and come with a variety of additional benefits, such as lower credit score requirements.

Those interested in the grand home of their dreams can pursue jumbo loans, which allow you to borrow more than the conforming loan limit if you have a sizeable down payment and a great credit score. This is a perfect option for those who want to purchase in more expensive areas or who simply want a more luxurious home than may otherwise be possible.

We offer DSCR loans for investors to help you purchase the investment property of your dreams. These loans focus on the property’s profit potential rather than your individual financial situation, and you don’t need information like a credit report, bank statements, or pay stubs. This makes real estate entrepreneurship possible for borrowers of all types.

We can also help you find great cash-out refinances when you’ve built up home equity.

Our company is dedicated to helping consumers find the right mortgage lender and loan amount for their needs. You’ll benefit from our extensive network of mortgage lenders, including credit unions, online lenders, and other lenders offering specialized home lending products.

Whether you’re a self-employed investor seeking to cash in on home equity for a new rental or a veteran with a less-than-perfect credit score, we’ll find a lender whose services match your finances and goals.

All lenders have strengths and drawbacks. Some have built their reputations on providing low-cost mortgage products to borrowers with less-than-perfect credit. Others are known for providing boutique mortgage products like DSCR loans for investors. Online lenders often have a more streamlined process and may offer unique products to non-traditional borrowers.

We will guide you through these intricacies to help you find the right lender based on your borrowing profile. Whether you need a straightforward conventional mortgage for your dream home or require more specialized services to purchase an investment property, our network of 50 lenders has you covered.

Our team will help you explore the key factors of home loans, such as the loan estimate and interest rate. We’ll walk you through details like the difference between FHA and US Department of Agriculture (USDA) loans and how to use discount points or pay an origination fee. We aim to serve as your advocate and assistant, ensuring you and your lender are on the same page about your obligations as a borrower.

With access to so many lenders, you’re sure to find a mortgage that matches your goals—and, most importantly, we can complete the entire online application in just 10 business days.

Our service doesn’t end at closing. We’re here for you throughout the home loan process, from the initial mortgage application to refinancing.

With a refinance, you close out your original loan and open a new one with more favorable rates. You can pull equity from your home to pay for more urgent financial needs or access a better rate than was possible when you first opened your loan. You can also change products, whether that is turning an adjustable-rate mortgage into a fixed-rate mortgage or changing a 15-year loan into a 30-year loan and vice versa.

We want to make it as easy as possible for you to get the best rates based on your personal finances. Sign up for our rate drop notifications to be notified when you can access a better rate, and then begin the refinance mortgage application process online.

As with your original mortgage, we’ll help you compare in-person and online mortgage lenders to identify those with the best rates for your personal financial situation. We’ll explain your options, including whether a rate-and-term refinance or cash-out refinance would be best for you.

If you’re unhappy with your current mortgage lender, we can explore companies that may be better suited for your needs. Regardless of what you choose, we can ensure you get the right mortgage product in the least amount of time.