• What are my obligations if I fill out a loan application?
    There are no obligations when you apply for a loan with LendingTeamUSA. The on-line loan application is authorization for our loan experts to contact you and help determine the best financing for your situation.
  • What will my rate be if I have bad credit?
    Rates depend on many factors. Credit is one factor. Other factors include the amount of equity in the property, the level of income documentation provided and the debt level compared to income. The final interest rate is a reflection of all these factors.
  • What down payment is required if I cannot document my income?
    Down payment and credit score requirements are constantly changing. Our loan officers keep up to date on these changes and will help determine how much to put down. If you are self employed you should expect to document 2 years of self-employment for the lowest rates and down payment.
  • What is the difference between Interest Rate and APR?
    Interest rate is the annualized rate you are paying on your outstanding mortgage balance. Annual Percentage Rate (APR) is an adjusted rate that takes closing costs and mortgage insurance into account. APR was designed to help you choose between different loan options and lenders.
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Consider a combo

When purchasing a home with less than 20% down, consider a combo instead of paying mortgage insurance. For people with good credit buying a home with a first and second mortgage will often times give you a lower payment than a single lien.{ more }
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Purpose of Loan:
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1-214.415.1370
Our home loan experts are ready to give you a custom mortgage rate quote now. Get approved over the phone!
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LendingTeam figured out how to set up our loan so we could get the package we really wanted.  I never realized how important it is to have a loan officer that understands all the options.
Gary Ricke — Batavia, IL
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How this works:
  • Fill out a loan application.
  • Receive a call from a lendor within 1 business day.
  • Get the best mortgage rate!