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Business Page


business profile image

theLender

Lender
4.8 stars
863 Reviews

Markets served


Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
District of Columbia
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
New Hampshire
New Jersey
New Mexico
New York
North Carolina
Ohio
Oklahoma
Oregon
Pennsylvania
South Carolina
Tennessee
Texas
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

Licenses


Company NMLS
#133519
Additional info available at the NMLS consumer access website

More ways to connect


(615) 257-5916

About us


Not just any lender, theLender!

We've earned and maintained a 4.8 Customer Satisfaction Rating, with over 700 reviews from past clients.

Our focus is INVESTMENT PROPERTY financing and we've funded over $7.5B in loan volume, while helping over 30,000 customers build their portfolio!

At theLender, we understand that not everyone fits into the same financial mold. That’s why we’ve created unique loan products tailored specifically for Short Term Rental investors. As a consumer direct lender we help save you money on fees by cutting out the middleman. If you’re seeking a lender that truly understands you and your investment goals, you’ve come to the right place! 

   Highlights
* Use AirDNA to qualify
* Purchase Max LTV 85% 
* Cash out Refi max LTV 75%
* Close in LLC
* Consumer Direct Lender 

Specialties


Hard/Private/Non-QM

DSCR (long-term rental)
DSCR (short-term rental)
Balance Sheet Loan
Foreign National Loan
Refinance (investment)

Reviews (863)


4.8 stars
863 Reviews
4.8 stars
863 Reviews
0.0 star
0 Reviews

reviewer image
5.0 stars
|
a week ago
Reviewed by Ivy Evangelista
The Lender Team, I wanted to take a moment to express my gratitude and highlight the exceptional work by Carmine during a recent transaction. His understanding of the urgency and his ability to execute seamlessly and swiftly, especially during the holiday season, was truly remarkable. The borrower had spent two months trying to close elsewhere and was on the verge of losing hope. She reached out in tears after her closing. Thanks to Carmine's efforts, we went from submission to closing in just a few days. Her heartfelt call to thank us for a job well done is a testament to the outstanding service provided by Carmine and his team. Carmine, you exemplify professionalism and dedication. Thank you for making a significant difference.
reviewer image
5.0 stars
|
a week ago
Reviewed by Neely Mondello
The entire team now was very easy to work with Jeff, Igor & Carmine you make NON QM easy. Carmine my account manager is great! got answers to all my questions ASAP - Definitely on top of his game, a true asset to the industry.
reviewer image
1.0 star
|
a week ago
Very slow in obtaining approvals. I am losing money daily waiting on this deal to close. I have had to submit the same documents at least 3 times. The underwriter demanded an appraisal review even though my appraisal was less than 2 months old. Turns out, the value remained the same with the new appraisal. Now I’m out of another $425 for nothing. My credit report expired and they had to pull credit again. And I have paid 2 more mortgage payments since starting this process with them. This experience has given me anxiety. They are probably not the best choice if you have a deadline to meet. I assure you they will miss all of your desired deadlines. I forfeited the payoff discount my existing lender offered because they didn’t get the loan closed by the desired date. The lender offered an extension, they missed that date too. Please search for another lender. Use this one as a last resort only if you have no deadlines to meet.
reviewer image
5.0 stars
|
a month ago
Reviewed by Karisha M
The Lender was very informative and understanding throughout the process from the beginning to the ending. They were very detailed. When we had questions they responded in a timely manner. Thank you for a great experience. Happy Holidays!
reviewer image
5.0 stars
|
a month ago
Reviewed by jake Profitpunks
Jonathan Rodriguez made the lending process incredibly easy and seamless! From start to finish, he was professional, attentive, and always ready to answer any questions I had. He went above and beyond to ensure everything was handled smoothly and efficiently. His expertise and guidance were invaluable, and I couldn’t have asked for a better experience. If you’re looking for someone who truly cares and will make the process stress-free, Jonathan is the one to call. Highly recommend!
reviewer image
5.0 stars
|
a month ago
Reviewed by Rob Dombrowski
Erik, Brittany, and Stacey are beyond amazing! Simply the best team to work with. Their communication and professionalism goes beyond expectation. They are extremely pleasant to work with, and they take the time to ensure everything is explained correctly. I would give 10 STARS if I could! Best Lending Team Ever!
reviewer image
5.0 stars
|
a month ago
Reviewed by Operation Management
Another Success Closing! I love working with Steve. Working with Steve Nelson is always a pleasure, very attentive and knowledgeable. Excellent AE to have on your team to ensure you and your clients receive the best. He is always available which speaks volume when you are working with clients after hours. Many thanks to Steve N., Brittany K., Shelby S, Jennifer W. and all the other individuals that work together to make the process successful. Thanks again for making clients dreams come true.
reviewer image
5.0 stars
|
5 months ago
Reviewed by Eliana Eldahmy
Amazing experience with the entire team! It was a collaborative and professional approach that is refreshing when working with broker banks. It Felt like it was easy to call, email, or message any questions needed to anyone on the team. Up until the last minute the entire team pushed to get our deal done. Thank you to Juan Jimenez (sales manager - Rockstar), Brandon Bradley and David Figueroa! You all are amazing 🤩 and look forward to sending you more and more business 💪
reviewer image
5.0 stars
|
a week ago
Reviewed by Ivy Evangelista
The Lender Team, I wanted to take a moment to express my gratitude and highlight the exceptional work by Carmine during a recent transaction. His understanding of the urgency and his ability to execute seamlessly and swiftly, especially during the holiday season, was truly remarkable. The borrower had spent two months trying to close elsewhere and was on the verge of losing hope. She reached out in tears after her closing. Thanks to Carmine's efforts, we went from submission to closing in just a few days. Her heartfelt call to thank us for a job well done is a testament to the outstanding service provided by Carmine and his team. Carmine, you exemplify professionalism and dedication. Thank you for making a significant difference.
reviewer image
5.0 stars
|
a week ago
Reviewed by Neely Mondello
The entire team now was very easy to work with Jeff, Igor & Carmine you make NON QM easy. Carmine my account manager is great! got answers to all my questions ASAP - Definitely on top of his game, a true asset to the industry.
reviewer image
1.0 star
|
a week ago
Very slow in obtaining approvals. I am losing money daily waiting on this deal to close. I have had to submit the same documents at least 3 times. The underwriter demanded an appraisal review even though my appraisal was less than 2 months old. Turns out, the value remained the same with the new appraisal. Now I’m out of another $425 for nothing. My credit report expired and they had to pull credit again. And I have paid 2 more mortgage payments since starting this process with them. This experience has given me anxiety. They are probably not the best choice if you have a deadline to meet. I assure you they will miss all of your desired deadlines. I forfeited the payoff discount my existing lender offered because they didn’t get the loan closed by the desired date. The lender offered an extension, they missed that date too. Please search for another lender. Use this one as a last resort only if you have no deadlines to meet.
reviewer image
5.0 stars
|
a month ago
Reviewed by Karisha M
The Lender was very informative and understanding throughout the process from the beginning to the ending. They were very detailed. When we had questions they responded in a timely manner. Thank you for a great experience. Happy Holidays!
reviewer image
5.0 stars
|
a month ago
Reviewed by jake Profitpunks
Jonathan Rodriguez made the lending process incredibly easy and seamless! From start to finish, he was professional, attentive, and always ready to answer any questions I had. He went above and beyond to ensure everything was handled smoothly and efficiently. His expertise and guidance were invaluable, and I couldn’t have asked for a better experience. If you’re looking for someone who truly cares and will make the process stress-free, Jonathan is the one to call. Highly recommend!
reviewer image
5.0 stars
|
a month ago
Reviewed by Rob Dombrowski
Erik, Brittany, and Stacey are beyond amazing! Simply the best team to work with. Their communication and professionalism goes beyond expectation. They are extremely pleasant to work with, and they take the time to ensure everything is explained correctly. I would give 10 STARS if I could! Best Lending Team Ever!
reviewer image
5.0 stars
|
a month ago
Reviewed by Operation Management
Another Success Closing! I love working with Steve. Working with Steve Nelson is always a pleasure, very attentive and knowledgeable. Excellent AE to have on your team to ensure you and your clients receive the best. He is always available which speaks volume when you are working with clients after hours. Many thanks to Steve N., Brittany K., Shelby S, Jennifer W. and all the other individuals that work together to make the process successful. Thanks again for making clients dreams come true.
reviewer image
5.0 stars
|
5 months ago
Reviewed by Eliana Eldahmy
Amazing experience with the entire team! It was a collaborative and professional approach that is refreshing when working with broker banks. It Felt like it was easy to call, email, or message any questions needed to anyone on the team. Up until the last minute the entire team pushed to get our deal done. Thank you to Juan Jimenez (sales manager - Rockstar), Brandon Bradley and David Figueroa! You all are amazing 🤩 and look forward to sending you more and more business 💪

Our Team


Chris Ledwidge
Lender