clockIrvine, CA

clock Monday – Friday: 7 a.m. to 7 p.m. | Saturday: 9 a.m. to 1 p.m.

overlay
about about

Find a solution that fits your life

At Lendvio, your goals are our goals. We pride ourselves on providing personalized service and customized loan solutions that align with your budget and financial objectives.

Choose Lendvio for:
checkmark

Diverse loan programs

checkmark

Competitive rates

checkmark

Simple application process

checkmark

Tailored options for your needs

checkmark

Fast approval and closing

checkmark

Customer-focused service

Frequently Asked Questions

Lenders typically look at your credit score, income, employment history, debt-to-income ratio, and assets. We will evaluate the information you provide when you apply to establish if you meet specific creditworthiness requirements to be pre-approved and for what amount. If you no longer meet those requirements or if your credit score has recently dropped, you may not be granted credit. In addition, if you currently have inadequate income to sustain your loan payments, we may decline credit to you.

A down payment is the initial amount of money you pay upfront when purchasing a home. The required amount can vary, but it’s often around 20% of the home’s purchase price. Some loan programs allow for lower down payments, but you may need to pay private mortgage insurance (PMI) if your down payment is less than 20%.

Closing costs are fees and expenses you pay when finalizing your mortgage, such as appraisal fees, title insurance, and attorney fees. They typically range from 2% to 5% of the loan amount, but it’s best to request an estimate.

A fixed-rate mortgage has a constant interest rate and monthly payments that never change. An adjustable-rate mortgage (ARM) has an interest rate that may fluctuate over time, which can lead to changes in your monthly payments.

Your interest rate will depend on several factors like credit history, income, down payment, loan type, your debt-to-income ratio, property type/location, and the term length.

Basic Mortgage Payment Calculator*,†

*Does not include taxes, insurance, or fees.
Estimated Monthly Payment†
$2,023
per month

†Estimate only, actual mortgage payments will vary based on loan terms. This calculator is meant for educational purposes only. It is a tool to estimate monthly payments solely based on the information you provide. The loan rates, amounts, monthly payments, and terms are not guaranteed and do not constitute a credit offer.