Excellent
Based on 153 reviews
HomeLife Mortgage5.0Honesty, pricing, process and quality scores appear once 5 customers have rated them.
If you are self-employed or investing in rental properties, HomeLife Mortgage was built for your situation. Traditional mortgage programs require tax returns and W-2s — and they were never designed for the way you earn. HomeLife specializes in Non-QM lending: mortgage programs that qualify borrowers based on real income, real cash flow, and real property performance. Non-QM specialists since 1990. Over $4 billion funded.Darrin Seppinni, President of HomeLife Mortgage, has been in the mortgage industry since 1982 — over four decades. He is an author, has been quoted as a Non-QM mortgage expert by CBS News, and contributes to Housing Wire.Programs for Self-Employed Borrowers — California, Florida, and Texas:Bank Statement Loans — qualify using 12 to 24 months of personal or business bank deposits instead of tax returns. No W-2s. No pay stubs.Jumbo Bank Statement Loans — larger loan amounts for self-employed borrowers with strong deposits and complex income.Bank Statement Second Mortgage — access a fixed lump sum of equity without refinancing your existing first mortgage.Bank Statement HELOC — access equity through a flexible revolving line of credit while keeping your current first mortgage in place.Programs for Real Estate Investors — Nationwide:DSCR Loans — rental property financing based on the property's cash flow instead of personal income or tax returns.No-Ratio DSCR Loans — also called No DSCR Loans — investor financing when the property has no rent, no lease, or does not meet standard DSCR requirements today.Soft credit pull upfront. Pre-approvals in as little as 48 hours. No obligation.homelifemtg.com | 888-677-2526
HomeLife Mortgage (homelifemtg.com) has 153 customer reviews on Folks Told, with an average rating of 5.0 out of 5.
153 approved reviews, newest moderated first
Katie S.
I cannot say enough good things about HomeLife! They are amazing, organized, great communication and fast! They know mortgages and make it easy. We had clear to close from another company and then everything changed at the end. Reached out to Homelife and wish I had done it sooner! They are amazing!! Will continue to work with them again and again.
Leger D.
Darrin, Jayne and Melissa were amazing, they not only got me approved quickly but also were able to help le close within 30 days. I can't thank them enough.
Melvin B.
Being a self-employed owner of a title company, I have worked with hundreds of mortgage reps across the country, but rarely have I found a group that is as knowledgeable and efficient as the team of Jayne, Darrin and Melissa at HomeLife. They understand the bank statement loans like few do and make the process for self employed individuals a true breeze... all while being really pleasant people to communicate with. They have earned being my go to mortgage team for future transactions as well!
Dave
Very good experience. Our primary contact was with Jayne, but had positive interactions with Sherrie and Darren as well. We were clear to close nearly a week in advance. Their PROACTIVE approach was very apparent in our early discussions, and the reason why we chose them. We did not experience one single surprise from underwriting. With Homelife, you will be speaking to an experienced and knowledgeable teammate that will guide you through one of the most difficult to understand processes. In addition to the above, the team was super accessible and communicative. We knew where we stood, or what was pending for our file at all times.
Daniel H.
We had the best experience working with Jayne and Darrin. They were very upfront and honest and helped us close on our dream home as first time homebuyers. We did the bank statement loan program and closed without any problem or any hiccups. Their communication was great. They really overly communicated which we loved, we also knew everything that was happening in every step of the process. I would recommend Homelife Mortgage to anyone seeking a transparent mortgage company.
LV
The Seppinni Team is the best! What a thorough, professional, transparent team. Thank you!
Rakesh A.
They are very prompt in requesting the documents and follow up. Loan was closed in three weeks.
Emily and S.
Great for independent contractors! My husband and I have a very complicated financials. We knew we would not get funded through using a regular tax route. Homelife walked us through step-by-step and made it so easy to get funded. We are loving our beautiful new home. Thank you Jayne and Darrin!
