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Read more about the article Everything You Need to Know About a Home Appraisal

Everything You Need to Know About a Home Appraisal

  • Post author:Andres
  • Post published:July 15, 2021
  • Post category:Mortgage 101/Mortgage Tips
  • Post comments:0 Comments

When applying for a mortgage it is important to understand who and what determine your eligibility. With every loan program there are a set of guidelines that need to be followed. …

Continue ReadingEverything You Need to Know About a Home Appraisal
Read more about the article 5 Questions to ask your loan officer

5 Questions to ask your loan officer

  • Post author:Andres
  • Post published:June 11, 2021
  • Post category:Mortgage Tips/Uncategorized
  • Post comments:0 Comments

According to homes.com buying a new home is one of the most stressful experiences in modern life. Luckily, working with a great loan officer can go a long way in…

Continue Reading5 Questions to ask your loan officer
Read more about the article The benefits of upfront underwriting for home buyers and sellers

The benefits of upfront underwriting for home buyers and sellers

  • Post author:Andres
  • Post published:April 23, 2021
  • Post category:Mortgage Tips/News
  • Post comments:0 Comments

In today’s housing market, demand is extremely high, and supply is low.  Freddie Mac (the second largest mortgage loan servicer in the country) estimates the US is 4 million homes short of…

Continue ReadingThe benefits of upfront underwriting for home buyers and sellers
Read more about the article Getting a Mortgage When Your Partner Has Bad Credit
Young couple sitting on floor and using notebook. Online shopping

Getting a Mortgage When Your Partner Has Bad Credit

  • Post author:Andres
  • Post published:March 19, 2021
  • Post category:Mortgage Tips
  • Post comments:0 Comments

Your credit score is one of the most important factors lenders check when reviewing a mortgage application. The higher your scores, the more likely you are to be approved with…

Continue ReadingGetting a Mortgage When Your Partner Has Bad Credit

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  • Phone: 305.901.0714
  • Email: info@lendzfinancial.com

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Arizona – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is required to originate these
  • Owner-Occupied Loans: NMLS license is required to originate these

Loans We Cannot Do:

  • If you have the license, we can fund the loan

California – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is required to originate these
  • Owner-Occupied Loans: NMLS license is required to originate these

Loans We Cannot Do:

  • If you have the license, we can fund the loan

Ohio – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these
  • Owner-Occupied Loans: NMLS license is required to originate these

Loans We Cannot Do:

  • If you have the license, we can fund the loan.

Texas – State Specific Guidelines

Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these
  • Owner-Occupied Loans: NMLS license is required to originate these

Loans We Cannot Do:

  • If you have the license, we can fund the loan.

New Jersey – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these
  • Owner-Occupied Loans: NMLS license is required to originate these

Loans We Cannot Do:

  • If you have the license, we can fund the loan.

Michigan – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is required to originate these
  • Owner-Occupied Loans: NMLS license is required to originate these

Loans We Cannot Do:

  • If you have the license, we can fund the loan

Florida – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these
  • Owner-Occupied Loans: NMLS license is required to originate these

Loans We Cannot Do:

  • If you have the license, we can fund the loan.

Minnesota – State Specific Guidelines


Loans We Can Do:

  • Lendz does not originate loans here, yet.

Loans We Cannot Do:

  • Business Purpose Loans: NMLS license is required to originate these (Lendz does not have this license, yet)
  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Georgia – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these
  • Owner-Occupied Loans: NMLS license is required to originate these

Loans We Cannot Do:

  • If you have the license, we can fund the loan.

Illinois – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these
  • Owner-Occupied Loans: NMLS license is required to originate these

Loans We Cannot Do:

  • If you have the license, we can fund the loan.

New Mexico – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Alaska – State Specific Guidelines


Loans We Can Do:

  • Lendz does not originate loans here, yet.

Loans We Cannot Do:

  • Business Purpose Loans: NMLS license is required to originate these (Lendz does not have this license, yet)
  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Arkansas – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Colorado – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

CEMA: Consolidation, Extension, and Modification Agreement (CEMA) may be utilized for refinance transactions secured by property located in the State of New York. Attorney’s experienced in reviewing and preparing CEMA documentation should be utilized.

Hawaii – State Specific Guidelines


Loans We Can Do:

  • Lendz does not originate loans here, yet.

Loans We Cannot Do:

  • Business Purpose Loans: NMLS license is required to originate these (Lendz does not have this license, yet)
  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Connecticut – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

CEMA: Consolidation, Extension, and Modification Agreement (CEMA) may be utilized for refinance transactions secured by property located in the State of New York. Attorney’s experienced in reviewing and preparing CEMA documentation should be utilized.

Washington DC – State Specific Guidelines


Loans We Can Do:

  • Lendz does not originate loans here, yet.

Loans We Cannot Do:

  • Business Purpose Loans: NMLS license is required to originate these (Lendz does not have this license, yet)
  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Delaware – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Idaho – State Specific Guidelines


Loans We Can Do:

  • Lendz does not originate loans here, yet.

Loans We Cannot Do:

  • Business Purpose Loans: NMLS license is required to originate these (Lendz does not have this license, yet)
  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Indiana – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Kansas – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Iowa – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Kentucky – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Louisiana – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Maine – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Maryland – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Massachusetts – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Mississippi – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

CEMA: Consolidation, Extension, and Modification Agreement (CEMA) may be utilized for refinance transactions secured by property located in the State of New York. Attorney’s experienced in reviewing and preparing CEMA documentation should be utilized.

Missouri – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Montana – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Nebraska – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Nevada – State Specific Guidelines


Loans We Can Do:

  • Lendz cannot originate loans here, yet.

Loans We Cannot Do:

  • Business Purpose Loans: NMLS license is required to originate these (Lendz does not have this license, yet)
  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

New Hampshire – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

North Carolina – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Oregon – State Specific Guidelines


Loans We Can Do:

  • Lendz does not originate loans here, yet.

Loans We Cannot Do:

  • Business Purpose Loans: NMLS license is required to originate these (Lendz does not have this license, yet)
  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

South Dakota – State Specific Guidelines


Loans We Can Do:

  • Lendz does not originate loans here, yet.

Loans We Cannot Do:

  • Business Purpose Loans: NMLS license is required to originate these (Lendz does not have this license, yet)
  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Utah – State Specific Guidelines


Loans We Can Do:

  • Lendz does not originate loans here, yet.

Loans We Cannot Do:

  • Business Purpose Loans: NMLS license is required to originate these (Lendz does not have this license, yet)
  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Vermont – State Specific Guidelines


Loans We Can Do:

  • Lendz does not originate loans here, yet.

Loans We Cannot Do:

  • Business Purpose Loans: NMLS license is required to originate these (Lendz does not have this license, yet)
  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Virginia – State Specific Guidelines


Loans We Can Do:

  • Lendz does not originate loans here, yet.

Loans We Cannot Do:

  • Business Purpose Loans: NMLS license is required to originate these (Lendz does not have this license, yet)
  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

North Dakota – State Specific Guidelines


Loans We Can Do:

  • Lendz does not originate loans here, yet.

Loans We Cannot Do:

  • Business Purpose Loans: NMLS license is required to originate these (Lendz does not have this license, yet)
  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Oklahoma – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

CEMA: Consolidation, Extension, and Modification Agreement (CEMA) may be utilized for refinance transactions secured by property located in the State of New York. Attorney’s experienced in reviewing and preparing CEMA documentation should be utilized.

Pennsylvania – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

South Carolina – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Rhode Island – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Tennessee – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Washington – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

West Virginia – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Wisconsin – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Wyoming – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

Alabama – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

New York – State Specific Guidelines


Loans We Can Do:

  • Business Purpose Loans: NMLS license is NOT required to originate these

Loans We Cannot Do:

  • Owner-Occupied Loans: NMLS license is required to originate these (Lendz does not have this license, yet)

CEMA: Consolidation, Extension, and Modification Agreement (CEMA) may be utilized for refinance transactions secured by property located in the State of New York. Attorney’s experienced in reviewing and preparing CEMA documentation should be utilized.

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