LendyWendy is an AI-powered mortgage matching service that connects California homebuyers with top-rated local mortgage lenders. Our technology analyzes your financial profile and matches you with lenders offering the best rates for your specific situation.

Is LendyWendy free to use?

Yes, LendyWendy is 100% free for borrowers. We are compensated by lenders when a loan closes, so there's never any cost to you for using our matching service or AI advisor.

Will checking my mortgage options affect my credit score?

No. Using LendyWendy's AI advisor or Mortgage Readiness Score does not impact your credit score. We only perform a soft inquiry which has no effect on your credit.

What types of mortgages can I find through LendyWendy?

LendyWendy matches borrowers with lenders offering all major loan types including Conventional, FHA, VA, USDA, Jumbo, DSCR, fix-and-flip, commercial mortgages, and Non-QM loans for self-employed or non-traditional income borrowers.

How fast can I get pre-approved?

Most borrowers receive pre-qualification within 2 minutes using our AI advisor. Full pre-approval with a matched lender typically takes 24-48 hours after document submission.

Does LendyWendy serve all of California?

Yes, LendyWendy serves all California markets including Los Angeles, San Francisco, San Diego, Sacramento, San Jose, Orange County, and every other city and county in the state.

What is a DSCR loan and who qualifies?

A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies borrowers based on the property's rental income rather than personal income. Real estate investors qualify when the property's rental income covers at least 100% of the mortgage payment. No tax returns or employment verification required.

What credit score do I need for a California mortgage?

Credit score requirements vary by loan type: FHA loans accept 580+ (3.5% down) or 500-579 (10% down), Conventional loans require 620+, VA loans typically need 620+, and Jumbo loans usually require 700+. LendyWendy matches you with lenders who specialize in your credit profile.

How much down payment do I need to buy a house in California?

Down payment requirements depend on loan type: VA and USDA loans offer $0 down for eligible borrowers, FHA loans require 3.5% down, Conventional loans start at 3% down for first-time buyers, and Jumbo loans typically require 10-20% down. California down payment assistance programs may also be available.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is a quick estimate based on self-reported information and doesn't involve a credit check. Pre-approval is a formal commitment from a lender after reviewing your credit, income, and assets. Pre-approval letters make your offers more competitive in California's housing market.

LendyWendy is an AI-powered mortgage matching service that connects California homebuyers with top-rated local mortgage lenders. Our technology analyzes your financial profile and matches you with lenders offering the best rates for your specific situation.

Is LendyWendy free to use?

Yes, LendyWendy is 100% free for borrowers. We are compensated by lenders when a loan closes, so there's never any cost to you for using our matching service or AI advisor.

Will checking my mortgage options affect my credit score?

No. Using LendyWendy's AI advisor or Mortgage Readiness Score does not impact your credit score. We only perform a soft inquiry which has no effect on your credit.

What types of mortgages can I find through LendyWendy?

LendyWendy matches borrowers with lenders offering all major loan types including Conventional, FHA, VA, USDA, Jumbo, DSCR, fix-and-flip, commercial mortgages, and Non-QM loans for self-employed or non-traditional income borrowers.

How fast can I get pre-approved?

Most borrowers receive pre-qualification within 2 minutes using our AI advisor. Full pre-approval with a matched lender typically takes 24-48 hours after document submission.

Does LendyWendy serve all of California?

Yes, LendyWendy serves all California markets including Los Angeles, San Francisco, San Diego, Sacramento, San Jose, Orange County, and every other city and county in the state.

What is a DSCR loan and who qualifies?

A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies borrowers based on the property's rental income rather than personal income. Real estate investors qualify when the property's rental income covers at least 100% of the mortgage payment. No tax returns or employment verification required.

What credit score do I need for a California mortgage?

Credit score requirements vary by loan type: FHA loans accept 580+ (3.5% down) or 500-579 (10% down), Conventional loans require 620+, VA loans typically need 620+, and Jumbo loans usually require 700+. LendyWendy matches you with lenders who specialize in your credit profile.

How much down payment do I need to buy a house in California?

Down payment requirements depend on loan type: VA and USDA loans offer $0 down for eligible borrowers, FHA loans require 3.5% down, Conventional loans start at 3% down for first-time buyers, and Jumbo loans typically require 10-20% down. California down payment assistance programs may also be available.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is a quick estimate based on self-reported information and doesn't involve a credit check. Pre-approval is a formal commitment from a lender after reviewing your credit, income, and assets. Pre-approval letters make your offers more competitive in California's housing market.

Free Service

15+ California Lenders

14-Day Avg Lender Close

Built for investors who move fast

Close your next deal
in 14 days.

DSCR loans with no tax returns. Fix-and-flip in 7 days. Scale to 100+ properties. California investor lending that moves at your speed.

No tax returns

7-14 day close

Unlimited properties

Qualify on rent

Compare Investor Rates View Loan Programs

Quick Rate Estimate

Estimate from Our Lender Network

Property Value

Loan Amount

7.5%

Est. Rate

$2,797

Monthly

80%

LTV

Compare Lender Rates

Rates shown are estimates from our lender network. Actual rates vary by lender, credit score, and property.

Investment Products

Investor Loan Products

Purpose-built financing for real estate investors. No W2s. No tax returns. Just results.

DSCR Loans

Qualify on rental income, not your W2

From

7.5%

No tax returns

No employment verification

1.0+ DSCR ratio

Up to 80% LTV

Get DSCR Loans Rates

Fix & Flip

Close fast, renovate, profit

From

10.5%

7-14 day close

Up to 90% LTC

Interest-only payments

Rehab draws included

Get Fix & Flip Rates

Bridge Loans

Short-term capital for quick acquisitions

From

9.5%

Close in 10 days

12-24 month terms

Interest-only

No prepay penalty

Get Bridge Loans Rates

Portfolio Loans

Scale to 100+ properties under one loan

From

7.75%

5-100+ properties

Blanket financing

Cross-collateralization

Custom structuring

Get Portfolio Loans Rates

Primary Residence Loans

Buying Your Home? We Do That Too.

Conventional, FHA, VA, and Jumbo loans for California homebuyers. First-time buyers welcome.

Conventional

3% down

FHA Loans

3.5% down

First-time buyer friendly

From 6.25%

580+ credit score

Gift funds allowed

Seller concessions up to 6%

Learn more

VA Loans

$0 down

For veterans & military

Jumbo Loans

Above $832K

Luxury & high-value homes

From 6.75%

Up to $5M+

10% down options

Interest-only available

Learn more

View All Residential Programs

Why California Investors Choose Us

Numbers that speak for themselves.

14days

Avg. Lender Close Time

15+

Lender Partners

60sec

Rate Comparison

100+

Max properties financed

Testimonials

What Borrowers Say

Real investors, real results.

"Lost 3 deals waiting on traditional lenders. LendyWendy matched me with a lender who closed my last 5 properties in under 14 days each. Game changer."

Marcus R.

12-property portfolio, Los Angeles

Matched in 24 hours

"DSCR loan with no tax returns was exactly what I needed. Self-employed for 15 years and finally found a lender who gets it."

Jennifer L.

Fix & flip investor, San Diego

Saved $400/mo

"Scaled from 3 to 18 properties in one year. Their portfolio loan let me consolidate and keep growing."

David K.

Portfolio investor, Bay Area

Closed in 12 days

Service Areas

California Investor Markets

Local expertise in every major California investment market.

Los Angeles San Francisco San Diego Sacramento Oakland San Jose

Fresno Long Beach Bakersfield Riverside Stockton Fremont Irvine All 29 markets →

Stop losing deals to slow lenders.

Get investor rates in 60 seconds. Close in as fast as 7 days.

Compare Investor Rates View Loan Programs

LendyWendy is a free service that connects borrowers with mortgage lenders. We are not a lender and do not make loans. We may receive compensation from lender partners when you are matched. Rates and terms shown are estimates from our lender network and are for informational purposes only. Actual rates, terms, and availability vary by lender and are subject to change without notice. All loan applications are subject to lender approval, credit review, and underwriting. Equal Housing Opportunity.

Close your next dealin 14 days.

Quick Rate Estimate

Investor Loan Products

DSCR Loans

Fix & Flip

Bridge Loans

Portfolio Loans

Buying Your Home? We Do That Too.

Conventional

FHA Loans

VA Loans

Jumbo Loans

Why California Investors Choose Us

What Borrowers Say

California Investor Markets

Stop losing deals to slow lenders.

Close your next deal
in 14 days.