Meet The Lending Corner


Our Story

Here at Lending Corner we’ve seized upon a few core concepts. The first is we’ve removed one of the most visibly negative aspects of the mortgage process, the high paid, high pressure loan officer. All of our originators are principals in the company working for one unified goal, to provide the best pricing coupled with the highest level of service to be found in the industry. Without the fight for commissions, we can provide a set price model that ensures you receive the best pricing and interest rates available.

Secondly, we emphasize the value of our clients time. The mortgage industry is perpetually evolving with compliance and regulatory changes hitting daily. You need a True Mortgage Professional at the helm of your transaction to ensure the most efficient transaction possible. That is why we require our originators to be experienced in all aspects of a mortgage transaction. Each of them will have vast experience in processing, underwriting and funding to insulate you from any issues that may befall a transaction that most all other loan officers will not foresee. The collective experience and inherent synergy created will ensure a simple and smooth mortgage transaction with the most minimal amount of effort and time invested on your end.

Finally, our process is completely paperless. Embracing all aspects of technology has allowed us to be a conscientious business partner for our community. In the paperwork intensive banking industry we’ve utilized all forms of technology that allow a file to start paperless and end with the homeowners literally signing loan documents in front of a computer! Yes, we can do this.

Let Lending Corner show you how it feels to work with a True Mortgage Professional.

Click here to start our simple process.

Get The Loan You Need

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Get The Loan You Need

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Answers to Your Questions

There are a lot of factors to consider when determining how much you can afford, but a good rule of thumb is to not let your monthly mortgage exceed 25% of your monthly take-home pay. Following this guideline will help you manage additional homeownership costs such as maintenance and repairs, while still keeping room for other financial goals like retirement and savings. There are also tons of affordability calculators you can find online, like this one!

Pre-Qualification and Pre-Approval both estimate the loan amount that you are likely to qualify for. This is an important first step in the home buying process to ensure you are looking at the right homes that fit your budget.

Pre-Qualification and Pre-Approval are often used interchangeably and can both help you stand out amongst the homebuyer competition. Both require you to supply an overview of your financial history such as your income, assets, debts, and credit score. However, most people look at pre-qualification as step one and pre-approval as step two because pre-approval requires formal documentation and verification.

The amount of time it takes to close a loan will differ from lender to lender, but a top mortgage lender should be able to close your loan within 30-45 days from application. Not having the proper documentation or having errors in your documentation may result in delays so it’s important to make sure you have all of your materials properly prepared.

Mortgage lenders will require you to provide certain documents in order to assess your ability to repay your loan. The Great Recession was due in part to borrowers not being adequately vetted for their ability to repay their loans. For this reason, the pre-approval process now requires significantly more paperwork. You will be asked to provide documentation regarding your employment and income, savings and assets, and outstanding debt.

Some of these documents include:

  • Tax returns
  • Pay stubs/W-2s
  • Bank statements
  • Credit history
  • Gift letters
  • Renting history
  • Work history

Most conventional loans require at least 5% down, but 20% is typically recommended. Mortgage companies often require borrowers to pay private mortgage insurance until they have 20% equity in the home. This additional fee is put in place to protect mortgage companies against borrowers who stop making payments on time.

Although this is standard, there are also many different loan programs that can help you purchase a home with less than 5% down. For example, some Veterans can qualify for VA loans that allow them to purchase a home with 0% down and no PMI. FHA loans can also allow first time homebuyers to purchase a home with as little as 3.5% down.

Your lender will be able to assess your financial situation and determine which programs you qualify for and which ones are best for your financial goals.


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“I couldn’t have asked for a
better lending company”
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Add your name and number below and a member of our team will call you.
“I couldn’t have asked for a better lending company”