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Bydand Is Better.
Why do our clients continue to say this?

Here are a few of the many reasons we continue to receive 5-star reviews from our home mortgage clients:

Top-Rated Service

Our Mortgage Advisors provide a concierge-style experience to all of our clients. We provide professional insight and advice to get you the best possible loan for your needs. We’ll work closely with you throughout the entire process. Our motivation is your complete satisfaction.

Modernized Approach

At Bydand Home Loans, we’ve invested heavily in our technologies, which allows us a competitive edge over other mortgage companies. Our user-friendly mobile app allows for simplified accessibility to your application, real-time status updates, and empowers you to conveniently scan and upload documents.

Lightning-Fast Funding

Our attention to details and meticulous efforts for our clients, eliminates a lot of the time consuming back-and-forth that comes with the loan application process. We work hard to ensure you are funded within 14 days!

Don't take our word for it, Read Our Reviews.

See why countless Bydand Home Loan clients recommend us to their friends and family, and return for all of their purchase and refinancing needs.

Not sure what Type of Loan you'll need?

There are a variety of loan options available, but how will you decide what is best? This is where the professionals at Bydand Home Loans shine. Your personal mortgage concierge will provide custom tailored home financing solutions that best suits your needs, and be right there alongside you throughout the entire process.

Conventional: Fixed & ARM

  • 100% Financing Available
  • Min Down: 3% w/PMI
  • Min Down: 10% w/no PMI
  • FICO Credit Score: 620+
  • Debt-To-Income Ratio less than 50%
  • Primary, Secondary, Investment
  • Gifts Funds Allowed

FHA: Fixed & ARM

  • 100% Financing Available
  • FICO Credit Score: 500-579 (10% down)
  • FICO Credit Score: 580+ (3.5% down)
  • Debt-To-Income Ratio less than 57%
  • Primary Occupancy
  • Gifts Funds Allowed

VA: Fixed & ARM

  • 100% Financing Available
  • Minimum FICO Credit Score: 500
  • Debt-To-Income Ratio less than 60%
  • Primary Occupancy
  • Gifts Funds Allowed

Jumbo: Fixed, ARM & I/O

  • 90% Financing up to $2Mil
  • 80% Financing up to $3Mil
  • FICO Credit Score: 680+
  • Debt-To-Income Ratio less than 45%
  • Primary, Secondary, Investment
  • Gifts Funds Allowed

Bank Statements: Fixed, ARM, I/O

  • 90% Financing: $100k – $3Mil
  • FICO Credit Score: 600+
  • Debt-to-Income Ratio less than 55%
  • 3, 12, 24mo. Personal/Business Statements
  • 2-4YR Self-Employed History
  • Owner Occupied, Second Property, First-Time Buyer
  • Single-Family, Condos, PUDs, 2-4 Unit, Townhomes

Investment: Fixed, ARM, I/O

  • Debt Service Coverage Ratio .75-1.5+
  • 80% Financing up to $2Mil
  • Qualify Based on Rental Income
  • Debt-to-Income Ratio less than 55%
  • Single-Family, Condos, PUDs, 2-4 Unit, Townhomes
  • Non-Owner Occupied Only
  • PERFECT For: AirBNB, Second Home, Investment Rental

Stated Income: Fixed, ARM, I/O

  • Residential & Commercial
  • Invest 1-4 Units, Multi-Family 5+ Units
  • Commercial: Retail, Office, Warehouse, Storage, Automotive
  • Loan to Value Max: 75%
  • Fico Score: 600+
  • Full Doc or No Doc

1099/VOE/P&L

  • Loan to Value Max: 80%
  • 1099s: 1-2yrs, Income calculated on 12/24mo. average
  • Written VOE, 2mo. Statements, 2yr. History
  • P&L: Must own 50% of business, most recent tax returns

Stop Wondering, Get a Rate Quote Today!

Take advantage of our fast and FREE Refinance Quote tool to see what rate you best qualify for. There’s no pull or impact on your credit, simply answer a few questions, and get an immediate live response.

A Pre-Qualification or Pre-Approval goes a Long Way!

Having a strong knowledge of what a realistic payment is on a home can help buyers focus in on properties that realistically match their budgetary desires or constraints. Understanding how much money you'll need to bring to closing, including the down payment and closing costs, will help you better manage your spending and help plot a course to help you achieve your goal of homeownership.

It's not uncommon in this market for sellers and their Realtors to insist on seeing a pre-qualification letter prior to even letting you see the home, In a hot market, sellers don't care to waste their time preparing their home for a showing and leaving only to have a 'tire kicker' traipse through their house with no means or intentions of buying it.

Still Have Questions? Let's Talk.

Buying a home is one of life’s major decisions. Being cautious, inquisitive, or wanting to educate yourself further is a great sign of character. Bydand Mortgage Advisors are here to answer any questions or concerns you may have. There’s no obligation, so what are you waiting for? Give us a call or schedule one today! Or shoot us a message below, we’d love to hear from you.

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