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
carlos M.
I want to thank Jayne and Darrin for helping me secure a Bank Statement loan. They guided me through the process and we’re on top of everything. I have purchased several property’s and was skeptical about bank statement loan but it was less stress than the conventional route. Am extremely impressed and look forward to using them again.
caterina G.
They were able to get an investment project financed for me even without my taxes being completed! And was reasonable in time, interest and closing costs. There were still hoops to jump through but nothing I couldn’t manage, also great communication and very responsive- even on weekends… Thank you Jayne and crew!
john C.
They were great to work with and handled everything fast and efficient .
SUNNY
We closed our home purchase on 09/21/2022. Jayne and Darrin were amazing, and made our loan process so simple. Our transaction closed with minimal effort on our part because we trusted in them fully to handle all of our needs. GREAT SERVICE!!!!!!
Chad I.
Easiest loan I've gotten. Very reasonable what info they needed and fast.
De S.
This is my 2nd time around with their Bank statement loan product and just like last time it was the smoothest experience in all my real estate transactions. Darrin and Jayne are amazing, totally helped guide me through the process. Total team effort and a willingness to get me my home by working with my realtor and also the home builder. Super fast, efficient , amazing customer service and communication. These are my lenders for life !!! Anyone reading this review, do yourselves a favor and go with them. Lowest interest rate offered !!!
Lloyd S.
The HomeLife team delivered our mortgage early and enabled us to close on a lovely home after a long search in a very difficult market for buyers. Good job.
Yan L.
Excellent Service : My husband and I got caught in a very awkward situation with our lender when we reached out to Homelife Mortgage. We were being misinformed and couldn't get the funding we need to qualify for a bank statement loan with 10% down option. Jayne and Derrin were being extremely informative and responsive in evaluating our financial situation in order to help us understand if we can get prequalified or not with a mortgage. It only took less than 48 hours for them to come back to us with an accurate evaluation and analysis. We felt we got the facts and knowing our options to make an informed decision. Homelife Mortgage is responsive, knowledgeable, give informative options, flexible and trustworthy. I recommend their service to anyone who is looking for a mortgage. Sincerely, Yan
