First-time homebuyers
Helping you buy your first homewith confidence.
Low down payment options, FHA and VA loans, and a loan officer who walks you through every step — from pre-approval to the keys.
- Same-day pre-approval
- Licensed & NMLS registered
- No obligation
Why borrowers choose us
5.0
24/7
Support
NMLS
1124483
“The team made our first-time home buying experience seamless. They explained every step clearly and secured us an excellent rate.”
Loan programs
A loan built around your file — not the other way around.
W-2 income, self-employed, investor, or retired — we match you to the program that actually fits your situation, then work to beat whatever another lender has quoted.
Purchase Loans
Conventional, FHA and VA financing with low down payment options for first-time and repeat buyers.
Learn moreRefinance
Lower your rate, cut your payment, or pull cash out with a rate-and-term or cash-out refinance.
Learn moreHELOC & 2nd Loans
Turn home equity into cash with a flexible line of credit or a fixed-rate second mortgage.
Learn moreInvestment Property
DSCR, fix-and-flip and portfolio loans that qualify on the property — not your tax returns.
Learn moreReverse Mortgages
For homeowners 62+, convert equity into tax-free income and eliminate monthly mortgage payments.
Learn moreNo Tax Return Loans
Qualify with bank statements, asset depletion or profit & loss — built for self-employed borrowers.
Learn moreJumbo Loans
High-balance financing beyond conforming limits, with flexible guidelines for complex files.
Learn moreNon-QM & Specialty
Interest-only, ITIN, foreign national and stated income programs for non-traditional borrowers.
Learn moreNot sure which one fits? A loan officer will review your scenario at no cost.
Apply NowHow it works
A straightforward path from first question to closing day.
No runaround, no ghosting after the application. You work with a named loan officer who knows your file from start to finish.
- 01
Apply online
5 minutesAnswer a few basic questions about you and your goals. No obligation, no hard credit pull to get started.
- 02
Talk to a loan officer
Within 1 hourA real mortgage professional reviews your file and walks you through the programs you qualify for.
- 03
Upload documents
2–3 daysSubmit what we need through a secure portal. We tell you exactly what's required — nothing more.
- 04
Close with confidence
15–30 daysFinal approval and closing coordination, handled end to end. Then the keys are yours.
Client stories
Homeowners who'd send their own family to us.
"I just did a refinance with David and Carolina and my experience was amazing. They both were on top of everything all the step of the way. Thank you both for making my transaction as smooth as possible."
"Outstanding service from start to finish! The team at Equitable Lending made our first-time home buying experience seamless. They explained every step clearly and secured us an excellent rate."
"Professional, efficient, and trustworthy. We've worked with Equitable Lending on multiple investment properties and they consistently deliver exceptional results. Their expertise is unmatched."
"Quick approval, competitive rates, and outstanding customer service. The team guided us through every detail and made the complex process feel effortless. We couldn't be happier!"
"Amazing experience with my VA loan! The team understood military benefits and made sure I got excellent terms. Their dedication to veterans is truly appreciated. Thank you!"
"Refinanced our jumbo loan with incredible ease. The team's expertise with high-value properties and their attention to detail made all the difference. Saved us thousands!"
Yesenia Martinez
Refinance Client
Michael Chen
First-Time Homebuyer
Sarah Johnson
Real Estate Investor
Robert Davis
Home Purchase
James Wilson
VA Loan Client
Amanda Thompson
Jumbo Loan Refinance
Lisa Rodriguez
Home Purchase
Daniel Park
Self-Employed Borrower
Kevin & Maria Santos
Repeat Clients
Yesenia Martinez
Refinance Client
Michael Chen
First-Time Homebuyer
Sarah Johnson
Real Estate Investor
Robert Davis
Home Purchase
James Wilson
VA Loan Client
Saman Khanian & the Equitable Lending team
Licensed mortgage professionals
The people behind your loan
Real people who answer the phone — and the hard questions.
Every borrower's situation is different. Our job is to understand yours — then build the financing around it.
- One person, start to finish
- The loan officer who quotes you is the one who closes you. No hand-offs, no call center.
- Every program under one roof
- FHA, VA, conventional, jumbo, DSCR, bank statement and Non-QM — compared side by side for you.
- We work to beat the other quote
- Bring the loan estimate another lender sent you. If we can do better, we'll tell you how.
Instant estimates
Run the numbers before anyone calls you.
Two quick calculators — one for a refinance, one for a new purchase. No email required.
Refinance Calculator
Lower your monthly payments
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Purchase Calculator
Find your perfect home
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Built for self-employed borrowers
Strong income on paper can hide a great borrower.
Business owners, freelancers, investors and retirees often show less taxable income than they actually earn. Our alternative documentation programs qualify you on what your business really does.
Four qualification paths
Bank statement loans
Qualify on 12–24 months of deposits instead of tax returns.
Profit & loss only
A CPA-prepared P&L statement can stand in for full documentation.
Asset depletion
Turn investment and retirement assets into qualifying income.
DSCR investor loans
Rental properties that qualify on cash flow, not personal income.
Trusted by 640+ self-employed professionals nationwide
Approved & accredited
Backed by the institutions that set the standards.
Common questions
Answers before you have to ask.
Still have a scenario that doesn't fit? Our full FAQ covers loan types, closing costs and every step of the process.
Browse all FAQs- What credit score do I need to qualify?
- It depends on the program. FHA loans can go as low as 580 with 3.5% down, VA loans have no lender-set minimum, and conventional loans typically start around 620. Jumbo, DSCR and Non-QM programs each have their own guidelines — which is exactly why it pays to get your file reviewed before you shop.
- I'm self-employed — do I need tax returns?
- Not necessarily. Bank statement, profit & loss only and asset depletion programs are designed for borrowers whose tax returns understate their real income. We'll look at your situation and match you to the documentation that fits.
- How fast can I get pre-approved?
- Most pre-approvals are issued the same day. A full closing typically takes 15–30 days depending on the program, the property and how quickly documents come back.
- Can you beat another lender's offer?
- Often, yes. Send us the loan estimate you were given and we'll compare it line by line. If we can do better, we'll show you exactly how.
Mortgages Made Easy
Ready to talk through your scenario?
Tell us what you're trying to do. We'll come back with real options — and no pressure to proceed.