★★★★★“The process was easy and she was persistent and did not let us fall through.”— Gioconda, Hudson NC★★★★★“Had answers to every question we had and helped us every step of the way. Would definitely recommend.”— Trey, Marietta GA★★★★★“Our situation was a bit unusual and she was still able to make everything a breeze!”— Bradd, Williamsburg VA★★★★★“Micheal went through every part of the process and explained to us in detail so we were well informed.”— Quincy, Kannapolis NC★★★★★“Very quick and very easy process. Their team is too good. I really recommend them!”— Ketan Patel, Wesley Chapel FL★★★★★“Always available and ready to explain and answer any questions I had. Very professional!”— Sheryl, Griffin GA★★★★★“Step by step took me thru the process and worked day and night to the finished line.”— Miguel, Clementon NJ★★★★★“I felt I was dealing with a friend rather than a loan officer. She managed to get the best possible interest rate.”— Deborah, Honea Path SC★ 485+ Five-Star Reviews on LendingTree ★★★★★★“The process was easy and she was persistent and did not let us fall through.”— Gioconda, Hudson NC★★★★★“Had answers to every question we had and helped us every step of the way. Would definitely recommend.”— Trey, Marietta GA★★★★★“Our situation was a bit unusual and she was still able to make everything a breeze!”— Bradd, Williamsburg VA★★★★★“Micheal went through every part of the process and explained to us in detail so we were well informed.”— Quincy, Kannapolis NC★★★★★“Very quick and very easy process. Their team is too good. I really recommend them!”— Ketan Patel, Wesley Chapel FL★★★★★“Always available and ready to explain and answer any questions I had. Very professional!”— Sheryl, Griffin GA★★★★★“Step by step took me thru the process and worked day and night to the finished line.”— Miguel, Clementon NJ★★★★★“I felt I was dealing with a friend rather than a loan officer. She managed to get the best possible interest rate.”— Deborah, Honea Path SC★ 485+ Five-Star Reviews on LendingTree ★

About Us

We Work Directly With Wholesale Lenders

At Integrity Home Lending, you're more than just a credit score. You're a real person with real goals. When you choose to work with us, we stand behind our name and lead with integrity.

This means our Loan Officers stick with you the whole way. No handoffs, no confusion. Just one trusted guide from start to finish.

It means we leverage wholesale lender relationships to find you rates that beat the big banks — paired with flexible loan options customized to your needs, because life doesn't always fit into a box. And it means we're here when you need us - nights, weekends, whenever - which is why our clients give us 5 stars on LendingTree, and 99% would recommend us to family and friends.

Experience today what makes us different. If you are looking for a quick preview, here are three insights…

  • We use the best technology.

    This makes processing your mortgage easier, quicker, and gives all a communication platform to understand where you the borrower is within the process
  • Every loan officer has completed the necessary lending course work and is licensed in the state with whom she/he is talking to.

    The loan officer is able to advise on the mortgage program that is right for you based on your individual needs
  • We work directly with wholesale lenders to find the best rate possible for our customers

    We do not work for a bank where the interest rate carries fees to pay countless people who do not work on your mortgage, therefore keeping our rates low.
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Services

Home Lending Services

Purchase

Refinance

FAQs

Frequently Asked Questions

FHA loans require a minimum credit score of 580 for the 3.5% down payment option. Scores between 500-579 may qualify with 10% down. Your loan officer at Integrity Home Lending can review your full credit profile and recommend the best path forward.

Down payments range from 0% (VA and USDA loans) to 3-5% (Conventional and FHA) for primary residences. Investment properties typically require 20-25% down. We work with wholesale lenders to find programs that fit your financial situation.

A DSCR (Debt Service Coverage Ratio) loan qualifies real estate investors based on the property's rental income instead of personal income. No tax returns, W-2s, or employment verification required. Most programs require a minimum credit score of 660.

Your Home Loan, Handled Right — From Start to Finish

Integrity Home Lending is a wholesale mortgage broker serving homebuyers and investors across 13 states. We shop multiple lenders to find you competitive rates — and your dedicated loan officer stays with you from application to closing.

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Why Homebuyers and Investors Choose Integrity Home Lending

Wholesale Rates, No Bank Markup

We work directly with wholesale lenders to deliver pricing that banks and retail lenders typically keep for themselves. You get the rate — we earn our fee transparently.

One Loan Officer, Start to Close

No handoffs, no 1-800 number. Your loan officer knows your file, answers your calls, and walks you through every step — from pre-approval to the closing table.

490+ Five-Star Reviews

Our clients consistently rate us among the top-reviewed lenders on LendingTree. We earn that trust one loan at a time.

Loan Programs

Conventional Loans

Fixed-rate and adjustable-rate options for buyers with established credit. Down payments as low as 3% for qualified borrowers.

Learn more →

FHA Loans

Government-backed loans with flexible credit requirements and down payments starting at 3.5%. A strong option for first-time buyers.

FHA FAQ →

VA Loans

For eligible veterans, active-duty service members, and surviving spouses. Zero down payment in most cases — one of the strongest benefits you have earned.

VA FAQ →

Jumbo Loans

Financing for properties above conforming loan limits. Competitive terms for well-qualified borrowers purchasing higher-value homes.

Learn more →

DSCR Investor Loans

Qualify based on rental income, not personal income. Designed for real estate investors building or expanding a portfolio. For investment and business purpose only.

Learn more →

Non-QM and Bank Statement Loans

Self-employed or non-traditional income? Qualify using 12 to 24 months of bank statements instead of tax returns.

Learn more →

Where We Lend

Integrity Home Lending is licensed to originate mortgage loans in 13 states.

Alaska
Alabama
Colorado
Florida
Georgia
Maryland
Mississippi
North Carolina
New Jersey
Pennsylvania
South Carolina
Tennessee
Virginia

490+ Five-Star Reviews on LendingTree

Our clients trust us with one of the biggest financial decisions of their lives — and they tell others about it.

Individual results may vary. Not a guarantee of loan approval or specific terms.

Ready to Talk About Your Mortgage?

Whether you are buying your first home, refinancing, or building an investment portfolio — we are here to help you move forward with confidence.

Get In Touch

Or call us at 877-445-3631

Integrity Home Lending, LLC | NMLS #2412324 | NMLS Consumer Access

7185 Colfax Ave, Suite 100, Cumming, GA 30040 | 877-445-3631

Licensed in AK, AL, CO, FL, GA, MD, MS, NC, NJ, PA, SC, TN, VA

Equal Housing Opportunity. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice.

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