Equitable Lending - Your Trusted Direct Mortgage Lender
5.0 Rated on Google

Mortgage Solutions For Every Stage of Ownership

Purchase, Refinance, Invest, or Tap Into Your Equity. Expert guidance and competitive rates tailored to your financial journey.

Same Day Pre-Approval
Competitive Rates
71+ Years Experience
640+
Families Helped
$500M+
Loans Funded
5.0
Google Rating
Loan Programs

Solutions For Every Need

Tailored mortgage solutions designed around your unique financial situation.

Ready to start your journey?

Speak with a mortgage expert or start your application today.

5.0 Star Rated on Google

What Our Clients Say

Real stories from real homeowners who trusted us with their mortgage.

View All Google Reviews
"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."
Y
Yesenia Martinez
Refinance Client
"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."
M
Michael Chen
First-Time Homebuyer
"Professional, efficient, and trustworthy. We've worked with Equitable Lending on multiple investment properties and they consistently deliver exceptional results. Their expertise is unmatched."
S
Sarah Johnson
Real Estate Investor
"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!"
R
Robert Davis
Home Purchase
"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!"
J
James Wilson
VA Loan Client
"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!"
A
Amanda Thompson
Jumbo Loan Refinance
"From start to finish, the communication was exceptional. They kept me informed every step of the way and closed my loan in record time. Highly recommend to anyone looking for a mortgage!"
L
Lisa Rodriguez
Home Purchase
"As a self-employed borrower, I thought getting a mortgage would be difficult. The team at Equitable Lending found the perfect program for my situation. They made the impossible possible!"
D
Daniel Park
Self-Employed Borrower
"Second time working with this amazing team! They helped us with our first home and now our investment property. Their knowledge and professionalism are unmatched. We're customers for life!"
K
Kevin & Maria Santos
Repeat Clients
"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."
Y
Yesenia Martinez
Refinance Client
"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."
M
Michael Chen
First-Time Homebuyer
"Professional, efficient, and trustworthy. We've worked with Equitable Lending on multiple investment properties and they consistently deliver exceptional results. Their expertise is unmatched."
S
Sarah Johnson
Real Estate Investor
"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!"
R
Robert Davis
Home Purchase
"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!"
J
James Wilson
VA Loan Client
Simple 4-Step Process

How It Works

Your path to homeownership, simplified.

1
5 min

Apply Online

Complete our quick online application in just 5 minutes. Provide basic information about yourself and your loan needs.

2
1 hour

Expert Review

Our experienced loan officers review your application and contact you within 1 hour to discuss your options.

3
2-3 days

Documentation

Submit required documents through our secure portal. We'll guide you through exactly what's needed.

4
15-30 days

Close & Celebrate

Final approval, closing coordination, and congratulations — you're ready to move into your new home!

Multi-ethnic business team descending stairs, discussing work in a bright, modern office space
Personalized Service

Find a Loan Officer

Our team of experienced mortgage professionals is here to guide you through every step of your home financing journey. Get personalized attention and expert advice tailored to your unique situation.

Licensed professionals with years of experience
Expertise in all loan types: FHA, VA, Conventional & more
Dedicated support from application to closing
Meet Our Team
Instant Estimates

Estimate Your Payment

Use our mortgage calculators to get instant estimates and compare loan scenarios.

Refinance Calculator

Lower your monthly payments

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Apply for Refinance

Purchase Calculator

Find your perfect home

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Apply for Purchase

Alternative Income Mortgages

Qualify using bank statements, P&L statements, rental income, or asset depletion

Real estate agent woman giving key to young couple of hugging renters. Happy husband and wife receiving house. New property owners meeting with real estate agent in accommodation for rent
Alternative Documentation
4 Flexible Qualification Options

No Traditional Income Docs? No Problem.

Business owners, investors, retirees, and entrepreneurs can qualify using alternative documentation — no traditional tax returns required.

Bank Statement Programs (12-24 months)
Profit & Loss Statement Qualification
Rental Income & Market Rent Analysis
Asset Depletion for High-Net-Worth Borrowers
Trusted by 640+ self-employed professionals nationwide

Got Questions? We Have Answers.

From loan types to closing costs, our comprehensive FAQ covers everything you need to know about the mortgage process.

50+ Common Questions
Expert Answers
Updated Regularly
Get In Touch

Let's Start Your Home Journey

We're here to help you every step of the way.

Start Your Journey

Fill out the form and we'll reach out within 24 hours.

Ready to Speak to a Mortgage Banker about your scenario?