Defy Mortgage, LLC

Address: 1030 16TH AVE S, FL 2, Nashville, TN 37212

https://defytpo.com/

Internal Reviews

(0 reviews)

Total loans closed with Loan Factory
0

Total loans closed with Loan Factory (past 12 months)
0

Lender overview

Basic information

QM Program

N/A

Loss Payee

Defy Mortgage, LLC ISAOA, ATIMA 1030 16th Avenue S 2nd floor, Nashville, TN 37212

CPL or Subordinate Clause

Defy Mortgage, LLC ISAOA, ATIMA 1030 16th Avenue S 2nd floor, Nashville, TN 37212

Lock policies & Fees

Lock Policies

Lock extension

Yes

Relock

Yes

Lock & Shop

Lender's niche & Overlays

Lender's Niche

Tech-Driven with a AI Focus
Here are a few Highlights:

90% Asset Depletion

90% 1099 Only

90% Up to 3Milly

90% 2-4 Units

90% Condo 90% Second Home

90% Down to 680

85% Cash Out

85% Down to 640

80% Short Term Rental Allowed

80% Rural 40 Year Fixed Rate Options for DSCR

Killer DSCR , Bank Statement, P&L ONLY, Asset Depletion Programs Available

DSCR SFR & 2-4 Unit (Min. $75K Loan Amount)
DSCR 5-10 Multi-Family (2-8 Mixed-Use) Units Up to $3M @ 70% LTV
No Ratio DSCR Program Available (<.75% Ratio)
No Seasoning Requirements for Cash-out Refis STR (Min. 75% Ratio)
Unlimited Properties Financed
Can Qualify at I/O Payment Up to 80% LTV
1st Time Investors (Min 1% DSCR Ratio)
Jumbo Loans Available up to $5M (Min. 680 FICO @ 70% LTV for SFR, Condos, 1-4 Unit)
ITIN, Foreign National, Non-Permanent & Permanent Resident Alien Programs Available

Lender's overlays

Exceptions made all the time

Lender turn time

Initial underwrite (days)

CTC conditions review (days)

Initial CD (days)

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