To inquire about a home loan or to schedule an appointment with our Mortgage Consultant, please contact us.
Mission
Our mission is to share our experience, resources and expertise in residential mortgage lending with our partners and clients so they can make an informed decision when choosing a loan program. One of the biggest financial decision people will make in their lifetime is a home mortgage. Our goal is to eliminate the stress and anxiety and allow our clients to embrace and enjoy the process whether its purchasing their first home, debt consolidation or home improvement refinance. We measure our success by our clients’ happiness.
Products
Conventional
Programs underwritten in accordance with Fannie Mae/Freddie Mac guidelines with LTV as high as 97%
FHA
With as little as 3.5% down payment
VA
Designated programs for the veterans that served our country
LPMI
Lender Paid Mortgage Insurance up to 95% LTV
Home ReadyHome Possible
Programs designed for 1st time homebuyers
Jumbo
With loan amount as high as $2,500,000
Hybrid ARM
Available in 5/1, 7/1 or 10/1 term
Portfolio Lending
Variety of programs that may help even the most difficult scenarios. Please email scenario@brightenlending.com with complete loan details for guidance.
Consumers
As mentioned in our mission statement, our goal is to provide you with our experience, resources and expertise in residential mortgage lending so you can select the loan for your specific needs. Choose from a variety of loan products with customized closing options such as NO Point or NO Point NO Fee. Whether you are a first time home buyer or an experienced investor or looking to refinance an existing mortgage, you need the right team working for you.
To inquire about a home loan or to schedule an appointment with our Mortgage Consultant, please contact us.
QA
At Brighten Lending, we understand that some questions may require more than a one liner answer. If the most recent posted Q&A does not cover your topic, simply email us at BLinfo@brightenlending.com with your questions and we will respond to you as soon as possible.
A. Depending on the loan program, the down payment can be as low as 3.5% with a FHA insured home loan. For a conventional loan, the minimum down payment is 5%. Some of the first time home buyer programs allow as little as 3% down payment
A. Mortgage insurance is typically required when the loan-to-value (LTV) or loan amount exceeds 80% of the purchase price or appraised value
A. Yes, family members are allowed to be co-borrowers on the loan when the subject property will be the borrower’s primary residence. When the co-borrowers does not intend to occupy the subject property, they are known as “non-occupant co-borrowers”
A. We offer many programs with as low as 580 credit score. In addition to meeting the credit score requirement, you must also provide sufficient income and assets documentations as part of the qualifying process
A. Unfortunately at the moment we do not offer any program where income verification is not required.
Contact
tel:888-227-4808 Ext. 200 lee.kay@brightenlending.com
tel:888-227-4808 Ext. 218 jessica.von@brightenlending.com
tel:888-227-4808 Ext. 208 lori.jen@brightenlending.com
tel:888-227-4808 Ext. 227 jackie.kay@brightenlending.com
tel:888-227-4808 Ext. 221 joshua.shen@brightenlending.com
tel:888-227-4808 Ext. 209 sean.lee@brightenlending.com
tel:888-227-4808 Ext. 212 tara.giamona@brightenlending.com
tel:888-227-4808 Ext. 228 leonora.garcia@brightenlending.com
tel:888-227-4808 Ext. 210 sandy.ni@brightenlending.com
tel:888-227-4808 Ext. 213 accounting@brightenlending.com
tel:888-227-4808 Ext. 202 judy.ni@brightenlending.com
tel:888-227-4808 Ext. 225 nina.kay@brightenlending.com
Career
Whether you are a seasoned agent or just starting in the business, we have everything you need to be your own boss without all the overhead cost that comes with running a business. We have a full support team of loan processors, underwriters, funders and even an in-house escrow service for refinance transactions. We are a direct retail lender with full delegated authority in almost every loan program we offer which allows for a much faster turn time than submitting loans on the wholesale side. From submission to funding, you will be able to close more deals and faster than anywhere else. We make partnering up with us easy and fast. No desk fee, No quota and most importantly your commission split is always 100%. For more information or to set up a meeting please email us at BLinfo@brightenlending.com
Brighten Lending is always looking for highly motivated individuals to add to our team. Please send your resume to BLinfo@brightenlending.com to inquire about an opportunity to join us.
Forms
| # | File Name | File Type | |
|---|---|---|---|
| 1 | Appraisal Order Form | Download | |
| 2 | Appraisal Order Form | EXCEL | Download |
| 3 | Borrower's Authorization Form | Download | |
| 4 | Doc Order Form | Download | |
| 5 | Doc Order Form | EXCEL | Download |
| 6 | Income Worksheet | EXCEL | Download |
| 7 | LPMI Chart | Download | |
| 8 | Monthly MI Factor Chart | Download | |
| 9 | New Loan Check List | Download | |
| 10 | New Loan Check List | EXCEL | Download |
| 11 | Rate Lock Request Form | Download | |
| 12 | Rate Lock Request Form | EXCEL | Download |
| 13 | Rental Income Worksheet | EXCEL | Download |
| 14 | Submission Form | Download | |
| 15 | Submission Form | EXCEL | Download |