Business Page
Defy Mortgage
Lender
4.8 stars
19 Reviews
Markets served
Alabama
California
Colorado
Florida
Georgia
Oregon
Tennessee
Texas
Alabama
California
Colorado
Florida
Georgia
Oregon
Tennessee
Texas
Licenses
Company NMLS
#2383214
Additional info available at the
NMLS consumer access website
Additional Licenses & Information
Defy Mortgage, LLC is a direct lender and licensed under NMLS #2383214, 1030 16TH AVE S FL 2, Nashville, TN 37212. Available in select states. Equal Housing Lender. Licensed under the Oregon Consumer Finance Act. Georgia Residential Mortgage Licensee # 2383214. Defy Mortgage, LLC, Loans made or arranged pursuant to a California Financing Law ...
About us
Get $500.00 CASH-BACK after closing. Down payments as low as 15%. No max loan amount. No application fees. No tax returns or W2s required. Fast pre-approvals. 75+ creative purchase and refinance lending options to help you maximize your real estate profits and scale your portfolio. Securing the right investment financing isn't just a step; it's a cornerstone of your success. Don't let traditional financing constraints hold you back. That cookie-cutter, one-size-fits-all approach? Not our style. Our expert team at Defy Mortgage is ready to help you maximize the opportunities in your market with custom loan capabilities that fit your unique investment needs. And the best part... we close fast and make it easy. It's how it should be. READY TO BUILD WEALTH? Let's strategize your next move. LOAN HIGHLIGHTS *No max loan amount *Purchase & refinance investment properties *STR, LTR & buy-and-hold options *85% LTV options *Qualify using rental income *DSCR ratio down to .75 *No application fees or obligation *Cash-back after closing *No tax returns/W2s needed *Customizable cash-out options *Down to 620 FICO *Primary, Second & Investment options *Options for Foreign Nationals (no SSN) *Personal 24/7 Mortgage Consultant __ "Some seriously savage behavior to get this done in this timeline and I appreciate it. It's a very strong start to winning more business. Thank you again!" - Josh G. (Defy Mortgage Real Estate Investor Client) "Defy was instrumental in securing a mortgage for a complex transaction, demonstrating exceptional diligence and creativity throughout the process. They worked tirelessly to ensure that I received the best possible terms, leading the way with a well-defined strategy that brought us successfully to the finish line. That dedication made all the difference." - Frank V. (Defy Mortgage Real Estate Investor Client) "This was my first STR investment property so I didn’t know what to expect for the loan process. My husband and I definitely plan on working with Defy in the future! Overall a really great experience." - Allison B. (Defy Mortgage Real Estate Investor Client) "Easiest mortgage process ever. I don’t know how they do what they do at Defy, but it felt like my mortgage closed in the blink of an eye. Such a better experience than the last time I got a mortgage." - Thomas S. (Defy Mortgage Real Estate Investor Client)
Specialties
Conventional & Gov.
Refinance (investment)
Conventional Rental Loan
Conventional Loan
Home Equity (primary home)
Refinance (primary home)
FHA
Hard/Private/Non-QM
Home Equity (investment)
DSCR (long-term rental)
DSCR (short-term rental)
Balance Sheet Loan
Bridge Loan
Foreign National Loan
Refinance (investment)
Reviews (19)
4.8 stars
19 Reviews
4.8 stars
19 Reviews
0.0 star
0 Reviews
5.0 stars
a month ago
Reviewed by
Grover Collins
Buying a can be a super stressful time. Selecting the right mortgage broker can make or break your home-buying process. Luckily, there is Defy! Kim made everything possible! No matter the challenge, no matter the issue, Kim was there to make it all work together smoothly. Dare I say Kim-possible?! I've worked with Defy in a professional setting and on my personal loan. I can recommend them and confidently say that I would use them again!
Save yourself the stress and reach out to Defy!
5.0 stars
a month ago
Reviewed by
Nina Berezin
As a freelancer, getting a mortgage can feel almost impossible—traditional lenders don’t always get the ebb and flow of freelance income. That’s why I’m so glad I found Defy Mortgage. They actually understand how freelancing works and made the entire process straightforward and stress-free.
From the start, they took the time to look at my full financial picture, not just a paycheck stub. Their team was responsive, flexible, and so much easier to work with than big banks. I was able to secure a mortgage without the usual roadblocks, and it felt like they were truly on my side the whole way.
If you’re self-employed and tired of hitting walls, Defy Mortgage is the game-changer you need. Highly recommend!
5.0 stars
a month ago
Reviewed by
sally jenks
I’ve had a great experience with Defy. They handled all my mortgage needs and made what seemed like an insurmountable challenge and effortless and seamless experience. I will be a customer of Defy for life.
5.0 stars
a month ago
Reviewed by
Rachel Cohen
I used Defy mortgage when purchasing my first home and they were so extremely helpful! Because I have a commission based job, Defy was able to help me get a mortgage that fit all of my financial needs! Definitely recommend using them!
5.0 stars
a month ago
Reviewed by
Alexander Madden
Defy Mortgage made the process so simple and easy! My agent Will Belcher walked me through all the steps and everything required of me and even regularly called me just to ask if I had any questions and update me! If I ever need more help in the future I’ll be back!
5.0 stars
4 months ago
Reviewed by
Gabrielle Treat
Kim was amazing the entire loan process! She went out her way to call us and make sure we were well informed. Any question we had, Kim got answers for us right away! Todd and Kim were very transparent and worked with us to get the best rate. Highly recommend Kim and Todd. Thank you again!
5.0 stars
5 months ago
Reviewed by
office email
This company was amazing to work with!
They closed my loan in a timely manner as promised! I am a Real Estate agent and deal with other lenders daily. This lender shined above all and had constant communication throughout the process. I would highly recommend them and would definitely use them again! kudos to Kimberly and Hannah for such an amazing Job! 🙂
5.0 stars
5 months ago
Reviewed by
BRIGITTE KELLAR
I highly recommend Defy Mortgage, the team I worked with included Kimberly and Hannah. These two ladies worked quickly on my mortgage package from the very first phone call I made (same day). The process was super easy, the information and instructions were clear and accurate, they are great to work with and we closed on time. I will definitely be working with them again. Awesome team!!!! If I could give more stars I certainly would.
5.0 stars
a month ago
Reviewed by
Grover Collins
Buying a can be a super stressful time. Selecting the right mortgage broker can make or break your home-buying process. Luckily, there is Defy! Kim made everything possible! No matter the challenge, no matter the issue, Kim was there to make it all work together smoothly. Dare I say Kim-possible?! I've worked with Defy in a professional setting and on my personal loan. I can recommend them and confidently say that I would use them again!
Save yourself the stress and reach out to Defy!
5.0 stars
a month ago
Reviewed by
Nina Berezin
As a freelancer, getting a mortgage can feel almost impossible—traditional lenders don’t always get the ebb and flow of freelance income. That’s why I’m so glad I found Defy Mortgage. They actually understand how freelancing works and made the entire process straightforward and stress-free.
From the start, they took the time to look at my full financial picture, not just a paycheck stub. Their team was responsive, flexible, and so much easier to work with than big banks. I was able to secure a mortgage without the usual roadblocks, and it felt like they were truly on my side the whole way.
If you’re self-employed and tired of hitting walls, Defy Mortgage is the game-changer you need. Highly recommend!
5.0 stars
a month ago
Reviewed by
sally jenks
I’ve had a great experience with Defy. They handled all my mortgage needs and made what seemed like an insurmountable challenge and effortless and seamless experience. I will be a customer of Defy for life.
5.0 stars
a month ago
Reviewed by
Rachel Cohen
I used Defy mortgage when purchasing my first home and they were so extremely helpful! Because I have a commission based job, Defy was able to help me get a mortgage that fit all of my financial needs! Definitely recommend using them!
5.0 stars
a month ago
Reviewed by
Alexander Madden
Defy Mortgage made the process so simple and easy! My agent Will Belcher walked me through all the steps and everything required of me and even regularly called me just to ask if I had any questions and update me! If I ever need more help in the future I’ll be back!
5.0 stars
4 months ago
Reviewed by
Gabrielle Treat
Kim was amazing the entire loan process! She went out her way to call us and make sure we were well informed. Any question we had, Kim got answers for us right away! Todd and Kim were very transparent and worked with us to get the best rate. Highly recommend Kim and Todd. Thank you again!
5.0 stars
5 months ago
Reviewed by
office email
This company was amazing to work with!
They closed my loan in a timely manner as promised! I am a Real Estate agent and deal with other lenders daily. This lender shined above all and had constant communication throughout the process. I would highly recommend them and would definitely use them again! kudos to Kimberly and Hannah for such an amazing Job! 🙂
5.0 stars
5 months ago
Reviewed by
BRIGITTE KELLAR
I highly recommend Defy Mortgage, the team I worked with included Kimberly and Hannah. These two ladies worked quickly on my mortgage package from the very first phone call I made (same day). The process was super easy, the information and instructions were clear and accurate, they are great to work with and we closed on time. I will definitely be working with them again. Awesome team!!!! If I could give more stars I certainly would.
