LendFriend Mortgage

LendFriend Mortgage is a mortgage broker located at 600 Congress Ave, Office 15092 in Austin, Texas, that helps self-employed borrowers, entrepreneurs, and homeowners qualify for flexible mortgages even without W-2s or tax returns. They work with over 40 wholesale lenders to offer conventional, jumbo, and specialized Non-QM mortgage programs for first-time homebuyers, investors, and those with complex income or assets. The business claims to provide a transparent mortgage experience with zero hidden fees and upfront estimates of monthly payments and closing costs.

The company offers a variety of flexible mortgage options, including asset depletion loans that convert eligible bank accounts and investments into qualifying monthly income, and RSU mortgages that use eligible Restricted Stock Unit income to strengthen qualification without liquidating shares. They also provide crypto-backed mortgages using eligible Bitcoin or Ethereum holdings, as well as DSCR loans for investment properties that qualify based on rental income rather than personal employment income. Additionally, they specialize in professional mortgages for doctors, attorneys, and accountants with flexible down payment options.

To get started, potential borrowers can use the Fixed vs. ARM Mortgage Calculator on their website to compare a 30-year fixed mortgage with an adjustable-rate mortgage and estimate potential savings during the initial fixed period. The calculator allows users to input their purchase price, down payment, and fixed rate to see how much an ARM could save before its first potential adjustment. After using the tool, users can schedule a call to get a quote and have the team review their actual fixed and ARM options.

The business states that they help borrowers save big by using a tech-driven platform that cuts overhead and passes those savings directly to the customer. They advertise competitive mortgage rates with no hidden lender fees or surprise discount points, ensuring a transparent process. Their goal is to provide clear guidance and fast closings for those with financially complex situations.

The Trustburn listing shows a 5 out of 5 rating from 2 reviews, both posted on September 12, 2025. One reviewer specifically praised Eric Bernstein for walking them through the asset depletion loan step by step and keeping them updated throughout the smooth, stress-free process. Another review highlighted the knowledgeable staff at Advisa Mortgage Services, Ltd., who guided the borrower at every step to secure a great deal.

LendFriend Mortgage works with over 40 wholesale lenders to compare loan programs instead of forcing borrowers into a single lender's products. This approach allows them to find the right fit for borrowers with complicated income or assets, rather than just the easiest approval. By leveraging this network, they aim to provide mortgage solutions tailored to the borrower's specific financial picture.

The business addresses the needs of self-employed individuals by allowing qualification using 12 or 24 months of personal or business bank statements instead of traditional W-2 income or tax returns. They also offer no ratio loans that qualify without traditional income or debt-to-income calculations, relying instead on eligible assets, reserves, and the strength of the borrower's overall real estate portfolio. These options are designed for those who do not fit standard underwriting criteria.

The company offers jumbo loans for higher-value purchases and refinances that exceed conventional conforming loan limits. They also provide buy-before-you-sell options, allowing borrowers to purchase their next home before selling their current one by unlocking available equity or reducing the impact of their existing mortgage. These specialized products cater to high-net-worth individuals and those managing complex financial transitions.

The website mentions that the mortgage experience should be simple with clear guidance and fast closings, even for those with complicated income or assets. They emphasize a transparent mortgage experience with zero hidden fees and upfront estimates of monthly payments and closing costs. The goal is to ensure that borrowers understand their financial picture without unnecessary complications.

LendFriend Mortgage is located at 600 Congress Ave, Office 15092,, Austin, Texas.

You can reach LendFriend Mortgage by phone at 512-881-5099 or by e-mail at contact@lendfriendmtg.com.

The official website of LendFriend Mortgage is lendfriendmtg.com.