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.

Licensing Information | LendyWendy | LendyWendy

NMLS Disclosure

LendyWendy is registered with the Nationwide Multistate Licensing System & Registry (NMLS). Our NMLS ID is [NMLS #].

You can verify our licensing status and find additional information through the NMLS Consumer Access portal at www.nmlsconsumeraccess.org.

California Department of Real Estate (DRE)

LendyWendy operates in California under a license issued by the California Department of Real Estate (DRE). California DRE License Number: [CA DRE #].

To verify our California license or file a complaint, contact the California Department of Real Estate at www.dre.ca.gov or call (877) 373-4542.

Important Disclosure

LendyWendy is a mortgage marketplace and lead generation platform — we are not a lender. We connect consumers with licensed mortgage professionals and lenders. When you submit a request through our platform, your information may be shared with one or more participating lenders or mortgage brokers who will contact you about their loan products.

Any rates, terms, and loan amounts displayed on this site are for illustrative purposes only and are not a commitment to lend. Actual loan terms are determined by individual lenders based on your creditworthiness, income, property, and other factors.

RESPA & Affiliated Business Disclosure

The Real Estate Settlement Procedures Act (RESPA) requires that we disclose any affiliated business arrangements. LendyWendy may receive compensation from lenders and mortgage professionals for referrals made through our platform. This compensation may influence which lenders are featured or recommended, but we strive to present options that are in the best interest of the consumer.

You are not required to use any particular lender or settlement service provider recommended by LendyWendy. You are free to shop for the best rates and terms from any provider of your choice.

Fair Lending Policy

LendyWendy and the lenders in our network are committed to fair lending practices in compliance with all applicable federal and state laws, including:

Equal Credit Opportunity Act (ECOA) — We do not discriminate against any credit applicant on the basis of race, color, religion, national origin, sex, marital status, age, familial status, or receipt of income from any public assistance program.
Fair Housing Act (FHA) — We support the Fair Housing Act and do not discriminate in the sale, rental, or financing of housing.
Home Mortgage Disclosure Act (HMDA) — Our participating lenders comply with HMDA reporting requirements.
Community Reinvestment Act (CRA) — We are committed to meeting the credit needs of all communities, including low- and moderate-income neighborhoods.

Equal Housing Opportunity

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Equal Housing Opportunity. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

State Licensing

LendyWendy currently operates primarily in California. Licensing requirements vary by state. If you are located outside California, please contact us to confirm service availability in your state before submitting any information.

StateLicense Number

California (DRE)[CA DRE #]

NMLS ID[NMLS #]

Contact Information

For questions about our licensing, regulatory compliance, or to file a complaint:

Company: LendyWendy
Email: compliance@lendywendy.com
Website: lendywendy.com
Mailing Address: [Address Placeholder], California, USA

To report a complaint about a mortgage broker or lender in California, you may contact the California Department of Financial Protection and Innovation (DFPI) at dfpi.ca.gov or call (866) 275-2677.