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    Mortgage Loans

    From conventional loans to FHA loans, VA loans and more - we have the right products to meet your unique needs, and the loan officers to help guide you through every step of the process.

    Mortgage Loans

    A conventional mortgage is one that’s not guaranteed or insured by the federal government.Most conventional mortgages are “conforming,” which simply means that they meet the requirements to be sold to Fannie Mae or Freddie Mac. Fannie Mae and Freddie Mac are government-sponsored enterprises that purchase mortgages from lenders and sell them to investors.
    FHA Loan
    An FHA loan is a government-backed mortgage insured by the Federal Housing Administration, or FHA for short. Popular with first-time homebuyers, FHA home loans require lower minimum credit scores and down payments than many conventional loans. Although the government insures the loans, they are offered by FHA-approved mortgage lenders.
    VA loan
    The VA loan is a $0 down mortgage option available to Veterans, Service Members and select military spouses. VA loans are issued by private lenders, such as a mortgage company or bank, and guaranteed by the U.S. Department of Veterans Affairs (VA).
    USDA Loan
    A USDA home loan is a zero down payment mortgage for eligible rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture.
    JUMBO Loan
    Jumbo loans exceed maximum conforming loan limits, which the Federal Housing Financing Agency (or FHFA) sets based on Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortgage Corporation (Freddie Mac) guidelines. Most parts of the country have one maximum loan amount for conforming loans. In some high-cost areas, such as Washington D.C. and certain California counties, the threshold for the maximum conforming loan is raised.
    NON QM Loan
    Any home loan that doesn't comply with the QM rules is called non-QM. A non-QM loan is not necessarily a high-risk loan, it's merely a loan that doesn't meet the QM standards. Examples of a non-QM loan include interest-only or limited/alternative documentation loans.
    Bank Statement Loan
    We have programs to qualify you with just your bank statements if Tax returns are not available .

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    Contact Address

    4101 McEwen Road Suite 140
    Dallas, TX 75244

    972-458-8888

    info@lendingshops.com

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    Lending Shops (“LS”) is a dba of PFN Lending Group, Inc, an Equal Housing Lender. Corporate Location: 5016 N. Parkway Calabasas, Suite 200, Calabasas CA 91302. NMLS ID #103098. Please visit NMLS Consumer Access (www.nmlsconsumeraccess.org) for detailed licensing information. Licensed by the CA Department of Business Oversight under the California Finance Lender Law #60DBO78997 and CA Department of Real Estate DRE#01273595, Georgia Residential Mortgage Licensee #59742; NV Broker #4695; AZ BK #919889; OR #ML-4013. Regulated by the CO Division of Real Estate #CF-99035. Illinois Residential Mortgage Licensee. Kansas Licensed Mortgage Company. Texas Principal Location: 21818 Hwy 71 West Suite 102, Spicewood, TX 78669. Click Here for TX Complaint Recovery Fund Notice