HELPING BUYERS GET APPROVED FOR FHA, VA, CONVENTIONAL & HOME LOANS ONLINE.
From FHA, VA, conventional, to commercial and private lending our licensed loan officers helps first-time buyers, low-credit score borrowers to self-employed as well as 1099 individuals. We specialize in complex income scenarios, including loans others struggle to approve; we make it happen across multiple states.
If you’ve been denied by a bank or told your situation is “too complex” explore how our team approaches difficult mortgage scenarios.
GET PRE-APPROVED FOR A HOME LOAN IN 3 SIMPLE STEPS:
1️⃣ Check what you may qualify for with a soft credit pull.
2️⃣ Get matched with loan options based on your goals, credit, and income.
3️⃣ Complete a fast online pre-approval process - including low credit, self-employed, and non-W-2 scenarios.
Watch how our pre-approval process works below. ⬇️
START SMART WITH A SOFT CREDIT CHECK - NO IMPACT ON YOUR SCORE
Curious about buying a home but concerned about your credit? At Kings of Lending, we begin with a soft credit check, allowing you to explore potential home loan options without impacting your credit score. It’s a safe and informed way to start the pre-qualification process.
WITH A SOFT CREDIT CHECK, YOU CAN:
✅ See your current credit profile
✅ Understand potential home price ranges
✅ Explore loan options you may qualify for
✅ Understand how your debt-to-income ratio affects eligibility
✅ Take next steps without a hard inquiry
READY TO MAKE A MOVE?
GET PRE-APPROVAL GUIDANCE TODAYREADY TO BUY? TAKE CONTROL OF YOUR HOME LOAN OPTIONS
SPEAK WITH A LOAN OFFICERNO SOCIAL? NO PROBLEM!
It may be possible to explore home loan options without a Social Security number. Our team works with ITIN loan programs and financing options for foreign nationals, recent immigrants, entrepreneurs, and borrowers without traditional documentation.
Every situation is reviewed individually, based on available programs and eligibility guidelines.
Explore mortgage education, loan programs, client experiences, and resources - all guided by licensed loan officers.
Top 4 FAQs
Your Mortgage Questions Answered
What does the pre-approval process look like?
Start by scheduling a free 15-minute mortgage consultation. After that, you’ll complete a secure application and upload your documents. Once reviewed, our licensed loan officer team will help identify the best loan options for your situation.
Can I get a mortgage if I'm self-employed?
Yes. We work with many self-employed and 1099 borrowers. Depending on the loan program, income may be verified using options such as bank statements or profit and loss documentation, rather than traditional W-2s.
What is the minimum credit score needed to get a loan?
Some loan programs may allow approvals with credit scores as low as 500, depending on the overall financial profile. Each situation is reviewed individually to determine the best available options.
Can I apply for a mortgage without traditional income documentation or tax returns?
Yes. Certain loan programs may allow alternative documentation, such as bank statements or asset-based qualification, depending on the loan type. Requirements vary by program and borrower profile.
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. E Mortgage Capital, Inc. NMLS# 1416824. Equal Housing Lender (NMLS consumer access:https://www.nmlsconsumeraccess.org/https://www.emortgagecapital.com/licensing
