The Direct Home Loan
Homes move fast. Your lender should keep up. Pre-approval in minutes, one loan officer from offer to keys, and a payment you understand before you sign.
See what I can afford- Get pre-approved in minutes
- Lock your rate for up to 90 days
- Work with one loan officer
- Close in as few as 21 days
The short way home.
Most mortgages pass through three desks and three sets of fees before you get your keys. Lintel lends directly, so one team takes you from accepted offer to closing.
The old way
45–60 days
Loan officer
− 0.5–1% origination
Processor
− $400–900 processing
Underwriter
− $500–800 underwriting
Direct
~21 days
$0 lender fees
Loan programs
Built for however
you buy.
Your first home is a condo. Your next one has a yard. The one after that is somewhere quiet. Lintel has a loan for each of them, and the same people behind every one.
Buy your first place
FHA, VA, and low-down-payment conventional loans, with a loan officer who explains every line before you commit.
Move up or refinance
Trade up, lower your rate, or take cash out. Keep the same loan officer and skip re-entering what we already know.
Go beyond the limits
Jumbo loans, second homes, and investment properties, underwritten by the same team that quotes your rate.
Payment calculator
Know your number.
Then go house hunting.
Move the sliders to see what a home really costs each month, and how much of it is interest. No sign-up, no credit check.
Estimated monthly payment
$2,275/mo
Principal and interest
- Loan amount
- $360,000
- Total interest
- $459,160
- Total over 30 years
- $819,160
An estimate, not a quote. The rate is yours to set. Taxes, insurance, HOA dues, and mortgage insurance are not included.
Income verified.Documents collected.Appraisal ordered.Closing scheduled.
Underwriting, paperwork, appraisal, and title run in the same place as your loan. Lintel tells you exactly what is done and what is left, so you spend less time chasing paperwork and more time packing.
Income verified
Connect your payroll or bank, or upload pay stubs. Lintel checks them against what underwriting needs, so you are not asked twice.
Documents collected
One list, in plain language, that shrinks as you go. Snap a photo or forward an email and it is filed where it belongs.
Appraisal ordered
The appraisal and title work start the day your offer is accepted, and you can see where each one stands.
Closing scheduled
Review your final numbers three days ahead, pick a time that suits you, and sign. Then collect your keys.
Start your pre-approval.
Tell us the basics.
It takes about two minutes. A loan officer, a real person, replies within one business day.
Questions,
answered.
What is a rate lock, and how long does mine last?
A rate lock holds your interest rate for a set period so it cannot rise before you close. Most lenders lock for 30 to 60 days. Lintel offers locks of up to 90 days on eligible loans, which gives you room to shop for a home with a rate you already know.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on what you tell a lender. Pre-approval goes further: the lender reviews your credit, income, and assets, then states in writing how much it is prepared to lend, subject to conditions. Sellers take a pre-approval letter far more seriously.
How much do I need for a down payment?
It depends on the loan. Conventional loans can start at 3% down and FHA loans at 3.5%, while VA and USDA loans can require no down payment for eligible borrowers. Putting less than 20% down on a conventional loan usually means paying mortgage insurance.
Will getting pre-approved affect my credit?
Using the calculator on this page never touches your credit. A full pre-approval involves a credit check, which can lower your score slightly. Credit scoring models generally count mortgage inquiries made within a short shopping window as a single inquiry, so comparing lenders does not multiply the effect.
What are closing costs?
Closing costs are the fees to complete the loan and transfer the property, such as the appraisal, title insurance, and prepaid taxes and insurance. They typically run 2% to 5% of the loan amount. You will see them itemized on your Loan Estimate, and again on your Closing Disclosure at least three business days before you close.
What documents will I need?
Usually recent pay stubs, W-2s or tax returns from the past two years, bank statements from the past two months, and a photo ID. If you are self-employed, expect to provide business tax returns as well.
