Buy a home
Get clear on budget, compare programs, and move with a stronger preapproval.
Explore purchase loans
Human advice. Modern mortgage.
The right home loan, made clear.
Real guidance, competitive options, and a lending team that stays with you from first question to closing day.
10+ years of experience14 day fast-close capability*$0 application fees
Federally and state licensed mortgage company
Company NMLS #2475118
Equal Housing Opportunity
Start with your goal
One team. More ways forward.
No mortgage maze. Tell us what you want to accomplish and we’ll help you compare the paths that fit.
Refinance smarter
Review your rate, term, and total cost to see whether a refinance fits your goals.
Review refinance optionsUse your equity
Compare cash-out refinance, fixed second mortgage, and first- or second-lien HELOC options.
See equity solutionsIndependent reviews
Real experiences. Stronger confidence.
Borrowers have shared their Lending Buddy experience across the platforms people trust when choosing a mortgage partner.
Google5.0★★★★★Customer ratingZillow5.0★★★★★10 lender reviewsTrustpilot4.5★★★★½20 customer reviewsBetter Business BureauA+RatedBBB rating
“Swift and error free.”
“Great communication every step of the way.”
“Professional and knowledgeable doesn’t even scratch the surface.”
Built around real life
Technology when it helps. A real person when it matters.
Big-lender convenience meets hands-on attention. You get a clear plan, direct access, and a team accountable for the details.
Clear comparisons
Understand payment, cash to close, rate, and tradeoffs before choosing.
Fast communication
Responsive guidance from professionals who know your file and your goal.
Strong execution
Organized processing and proactive updates designed to keep closing on track.
Ways we can help
Start with the right category.
Choose the goal that fits, then see the full range of programs and eligibility details on our Loan Options page.
Purchase loans
Conventional, FHA, VA, USDA, jumbo, first-time buyer, and other eligible home-purchase options.
Explore purchase optionsRefinance
Compare rate-and-term, cash-out, temporary buydown, extended-term, VA, and RateBuddy options.
Review refinance optionsHome equity
Explore cash-out refinance, fixed second mortgages, and first- or second-lien HELOCs for eligible homeowners.
See equity solutionsInvestment & specialty
Financing for investors and self-employed borrowers, including DSCR, bank-statement, and fix-and-flip programs.
View specialty programsConstruction financing
Options for qualifying ground-up builds, major renovations, and eligible construction projects.
Explore construction loansComing soon
Personal loans
Future access to personal-loan options through an independent third-party provider.
Learn what is comingFeatured programs
A few options worth a closer look.
Program availability, terms, and qualification depend on the borrower, property, location, and underwriting guidelines.
1-0 & 2-1 refinance buydowns
Eligible rate-and-term refinances may begin with temporarily reduced payment calculations for one or two years, depending on the selected program.
Compare temporary buydownsUSDA home loans
Government-backed financing for qualified borrowers and eligible properties in designated rural areas.
Explore USDA financing40-year term options
Extended-term options may offer additional payment flexibility for eligible purchase or refinance borrowers.
Review extended termsThe 1-0 and 2-1 temporary buydowns affect the payment calculation only. The mortgage note rate and APR are not reduced by the buydown, and qualification is based on the full note rate. Additional program terms apply.
Southern California only
Lending Buddy × New Era General Contracting
Planning a remodel or a full home build?
Lending Buddy can help explore eligible financing while New Era General Contracting handles the work as an independent construction partner.
Separate companies, services, approvals, and agreements. Southern California service area only.
A simpler process
From “what if?” to welcome home.
The process should feel understandable before it feels official. We keep each step focused and keep you informed.
Start your application- 1
Tell us your goal
Purchase, refinance, or equity—we start with what success means to you.
- 2
Compare your options
We prepare loan structures and explain the numbers in plain language.
- 3
Choose with confidence
You decide what fits; then we organize documents, milestones, and next steps.
- 4
Close with a plan
Our team coordinates the details and stays accessible through closing.
New York CityNew York roots. Personal reach.
Mortgage expertise from the heart of the city.
Lending Buddy is led by experienced mortgage professionals and built around one promise: make financing easier to understand, easier to navigate, and more personal.
WTCNew York headquarters
5-starservice mindset
RateBuddy Watch
Your mortgage shouldn’t disappear after closing.
Returning clients can stay on our radar for future opportunities to review their rate and loan strategy.
Your next move starts here
Let’s put real numbers behind your goal.
Fast, personalized, and no pressure. Just a clearer way forward.