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
Alexander G.
Jayne, Darrin, and Sara at Homelife Mortgage were fantastic to deal with. I did a bank statement loan with them which allowed me to provide 24 months of bank statements for a 30 year mortgage. The process was simple and efficient, and they were always there to answer questions for me if I had any. All of the documentation was prepared quickly allowing us to be ready to close before the expected closing date.
customer
Very easy process and good communication. I would highly recommend them
John S.
These guys do Bank Statement Loans and know how to do them!! I want to thank them all personally for your outstanding service!! They are all very organized and fully competent in what they do. They responded in a timely fashion to any questions / concerns / issues that came up and made this happen where others failed. You guys are awesome!!
Dave C.
HomeLife Mortgage made it possible for my wife and I to purchase our new “forever home”. Being small business owners can make it challenging to secure mortgage financing, but the creative business model at HomeLife that uses bank statements made it possible for us. Jayne and Darrin added a personal touch to a process that would not typically be. We feel very fortunate to have discovered HomeLife Mortgage and highly recommend.
Alfred T.
THESE ARE WONDERFUL PEOPLE! My loan was a Bank Statement Mortgage Loan to purchase my residential home. I am self-employed and had a hard time qualifying for a conventional loan. We were two days into escrow, due to close in 28 more days. Not only did they get us approved FAST but also they were ready to close 5 days earlier than scheduled. Sherrie, Darrin, and Jayne are wonderful, polite, professional, and AWESOME! Not to mention they were able to offer me the best interest rate out of 8 other companies I applied to. Keep up the awesome work you guys do, THANK YOU SO MUCH!
Darrin G.
Our most recent loan with Homelife Mortgage was top notch. My wife and I decided to start our investment portfolio and of course Homelife Mortgage was our first choice for our loan. We used the No Doc Investment Loan program that they offer and all I can say is WOW. Jayne, Darrin and Sherrie were right on it and had everything ready to close for us in about 2 weeks. Now that was FAST! We will be back soon for another investment property loan.
Anban
It was a pleasure working with Darrin and Jayne Seppinni. They made the entire process stress free. Darrin followed up throughout the process and communicated all the details to me promptly. It was almost as if he was on top of my transaction more than I did !! I will be sure to reach out to them for future needs and recommend them to anyone who wants to seamless process!
HANI E.
Honestly they deserve more than 5 stars. I got refinance with cash out with bank statements program, no other documents no w2 no tax return, only 2 years personal bank statements and 3 months business bank statements and they count 100% of the money been transferred to my personal account from the business account as income, no questions asked why where when who about my account, fast approval fast closing within 31 days, they had the ability to close within 24 days but got the delay from another lender who denied me for loan to transfer the property appraisal report to them , case not need to pay second appraisal. The lender who denied me it took them 3 months and keep asking for more documents and more proof, even they asked me for proof I don’t own the property that I had sold it 20 years ago ( what ) are you serious about this question?…I decided to look somewhere else, so I found homelife mortgage online and have good reviews then I contacted the loan officer Jayne Seppinni and got fast approval quick reply to my emails, also hear them doing the work fast loan processor Sherrie Brown and mr. Darrin Seppinni. From now on homelife mortgage the one I will deal in my future mortgage loan. I really felt the difference case I had 7 mortgage loan in my life . Oh I forgot there fees and rate with 80 LTV was lower than the lender who denied me with 75% LTV by about $1800 and .25% less . Thank you so much
