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Buy
Home Purchase
Why District
Read about all the benefits
Process overview
Simplified and easy to understand
Apply now
Start your application
Get a quote
See your rate with no commitment
Perks
Free refinance for 3 years
Refinance with no closing costs
No closing costs
Zero costs options, what it means
Realtor credits
Get .5% towards your closing costs
18 Day closing
2X more likely to get your offer accepted
Price match guarantee
We beat competitors’ rates by .125% or more
Rate defense
Never miss out on rates dropping
Refinance
Rates
About
Reviews
Hear from our customers
Contact
Answers within 2 business hours
Meet the crew
Our experts, mission, and values
Careers
Join us in making a difference
Learn
Blog
Our knowledge at your convenience
Mortgage secrets
Short videos with tips&tricks
Video library
A short description can be here
Calculator
Calculate your mortgage payment

Buy a home now.
FREE refinance later.*

Marry the house, date the rate. Rates are temporary. If rates drop in the next 3 years, we'll cover the cost of your refinance.
  • No documents required.
  • No commitment.
  • No hidden costs.
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Today’s Mortgage Rates

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Rates as of December 07, 2024 | See Assumptions-->

Mortgage Loans We Offer

Gain access to the best mortgage lenders and apply for a mortgage online, offering the most seamless application process ever.

Federal Housing Administration (FHA) Loans

Feel confident in your home purchase decision and save thousands with a government-backed loan.

Veterans Administration (VA) Loans

Veteran homeowners can enjoy low monthly payments and great rates from online mortgage lenders.

Jumbo Loans

Go beyond conforming loan limits with these expansive conventional mortgages, available with low interest rates and higher loan amounts.

Construction Loans

Explore multiple lenders offering loan products to help you build the home of your dreams.

Debt Service Coverage Ratio (DSCR) Loan

Enjoy a streamlined investment mortgage process, including online mortgage approval, to build your real estate portfolio faster than ever.

We're fast to close, but never cut corners.

Fabulous service and I mean that

They are professionals that care about what they do and understand the best ways to help you make the best decision.

- Bettie R.

Josh is awesome!

When other lenders fall short Josh pulls through and gets creative in order to meet the needs of home buyers.

- Adam B.

They are that good.

Um excuse me? No lender fees?! I was so surprised but honestly, I would still use them regardless.

- Bonnie A.

Lower Rates. Zero lender fees.

As a mortgage broker, we have access to over 50 lenders. This means that you have more options to choose from, making it easier to find the perfect loan.
See the rates in your location

How can we help you?

Talk to an expert
Learn more
Home purchase
Learn more
Refinance
Learn more
Application
Apply now

Why Choose Us As Your Mortgage Broker?

Accelerate your homebuying process with innovative mortgage solutions and expert advice.
  • Seamless Online Mortgage Application Process

    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.

  • Choose Between Numerous Mortgage Products

    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.

  • Compare Rates from Dozens of Lenders

    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.

  • Assistance Throughout the Life of Your Loan

    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.

AlwaysNever
Banks
Credit unions
Calling listing agents for every offer
Fully underwriting pre-approvals
Sometimes
Sometimes
60 minute response times
Sometimes
No lender fees
Agressive arm pricing
One time construction loans
Sometimes
Sometimes
Bleeding edge technology
Sometimes
Lowest industry rates
Close in 15 days
Sophisticated loan structuring
Industry leading loan officers
Get the job done mentality

We're fast to close, but never cut corners.

We've engineered a process to close your loan in as little as 10 days. We also monitor our competitors' rates and always make sure ours are lower.
Learn more about us
10 days mortgage process

Delivering Mortgages
in 19 states

  • Arizona
  • California
  • Colorado
  • Florida
  • Georgia
  • Idaho
  • Indiana
  • Louisiana
  • Michigan
  • Minnesota
  • New Jersey
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Washington

Know exactly what to expect from your loan

Get a free loan quote today and leave the guesswork behind.
get a FREE quote
  • No documents required.
  • No commitment.
  • No fine print.
Get your free loan quoteGet your free loan quote
Buy
Home Purchase
Why District
Read about all the benefits
Process overview
Simplified and easy to understand
Apply now
Start your application
Get a quote
See your rate with no commitment
Perks
Free refinance for 3 years
Refinance with no closing costs
No closing costs
Zero costs options, what it means
Realtor credits
Get .5% towards your closing costs
18 Day closing
2X more likely to get your offer accepted
Price match guarantee
We beat competitors’ rates by .125% or more
Rate defense
Never miss out on rates dropping
Refinance
Rates
About
Reviews
Hear from our customers
Contact
Answers within 2 business hours
Meet the crew
Our experts, mission, and values
Careers
Join us in making a difference
Learn
Blog
Our knowledge at your convenience
Mortgage secrets
Short videos with tips&tricks
Video library
A short description can be here
Calculator
Calculate your mortgage payment
Apply nowGet a quote