Your Favorite Lenders
Mortgage Lending
MADE EASY

Get ready for lightning-fast, honest, & tailor-made quotes paired with unbeatable rates and service built on trust and integrity. Join hundreds of satisfied families who've made us their new favorite lender.
As Seen On:
Personalized Approach
Tailoring services to your needs for a personalized homeownership experience.
Competitive Rates
Unlock a world of competitive rates for financing options that align with your budget.
Transparent Communication
Clear and open communication, ensuring you are informed of the progress and details of your loan.

10
YEARS
of experience in Finance industry.


ABOUT US
About the Business
Your Favorite Lenders is your premier online real estate lending company, founded by award-winning partners Garret and Landis with over 10 years of experience, having funded over $100M.
We specialize in providing fast, customized mortgage solutions with great rates and a commitment to service with integrity. Whether you're buying, selling, refinancing, or building your dream home, our experienced loan officers offer quick and accurate financial advice, ensuring you make the right choices for you and your family.
Explore our website for various loan programs, decision-making tools, and secure online applications, or contact us for personalized service and expert advice.
— Our Services —
Our POPULAR MORTGAGE OPTIONS
When buying, selling, refinancing, or building a home, your loan officer choice is crucial. With ever-changing market conditions, our experienced team can expertly guide you through financing options.

— Why Choose us —
Elevate Your Mortgage Lending Experience with Confidence and Excellence
Choose us for a personalized approach to your homeownership journey. Our loan officers offer efficiency, competitive rates, and services grounded in integrity. With diverse mortgage programs, user-friendly tools, and a client-centric focus, we turn dreams into reality, making us your trusted partner in homeownership.
Experienced Loan Officers
Seasoned experts guide you through the mortgage process with knowledge and professionalism.
Comprehensive Programs
Diverse options for various needs – from first-time homebuyers to dream home builders.
Flexible Appointment Scheduling
Schedule appointments at your convenience through our secure online form.
Grounded in Integrity
Upholding the highest standards of transparency, honesty, and ethical practices in every interaction.
YFL Mission
Our mission is to empower individuals and families on their path to homeownership. Through personalized mortgage solutions, transparent communication, and a commitment to integrity, we strive to make the process seamless. We aim to be the trusted partner guiding dreams into the reality of cherished homes.
Our Blog
Discover the latest trends, expert advice, and valuable resources that will make your homeownership experience not just a transaction, but a well-informed and satisfying adventure.


CONTACT US
Get Your FREE Mortgage Rate Quote Now!
Unlock your path to homeownership! Click now to secure your FREE Mortgage Rate Quote and pave the way to your dream home.
Frequently Asked Questions
Do you have a question about our service? Feel free to give us a call and also take a look at our list of frequently asked questions!
OR CALL US AT:
What is the minimum credit score required to qualify for a mortgage?
The minimum credit score required to qualify for a mortgage can vary depending on the lender and the type of loan you're applying for. Generally, conventional loans require a minimum credit score of around 620, while FHA loans may accept credit scores as low as 580. However, keep in mind that higher credit scores typically result in better loan terms and interest rates.
What documents do I need to apply for a mortgage?
When applying for a mortgage, you'll typically need to provide documents such as pay stubs, W-2 forms, tax returns, bank statements, and identification documents like a driver's license or passport. Your lender may also request additional documents depending on your unique financial situation.
What is the difference between a fixed-rate and adjustable-rate mortgage (ARM)?
A fixed-rate mortgage has a constant interest rate and monthly payment throughout the life of the loan, providing stability and predictability. On the other hand, an adjustable-rate mortgage (ARM) has an interest rate that may change periodically, usually after an initial fixed-rate period. ARMs often start with lower interest rates but can increase over time based on market conditions.
How much of a down payment do I need to buy a home?
The amount of down payment required to buy a home varies depending on the type of loan and your financial situation. Conventional loans typically require a down payment of at least 3% to 20% of the home's purchase price, while FHA loans may require as little as 3.5% down. Some loan programs, such as VA loans for eligible veterans and USDA loans for rural areas, offer 0% down payment options.
Can I refinance my mortgage?
Yes, you can refinance your mortgage to potentially lower your monthly payments, reduce your interest rate, change your loan term, or tap into your home's equity. Refinancing involves replacing your existing mortgage with a new one, typically with different terms. Whether refinancing is beneficial for you depends on factors such as current interest rates, your financial goals, and how long you plan to stay in your home.