Mortgage
Discover Laenan’s wide range of wholesale loan products, current rates, and cutting-edge tools to help speed the lending process
CONVENTIONAL
laenan offers the best conventional loan options for your borrowers.
USDA
Offer your eligible rural and suburban borrowers a great 0% down payment option.
VA
Give your veteran borrowers the rates and service they've earned.
FHA
See why laenan is the #1 FHA lender in the nation.
JUMBO OFFERINGS
Gain a competitive edge over banks and retail lenders with loan-amount options up to $3.5M.
SPECIALIZED PRODUCTS
Learn about our additional offerings that fit more of your borrowers' needs.
ELITE M.I.
Only Laenan combines the lowest LPMI with some of the best BPMI pricing anywhere. Starting at 640 FICO.
ELITE
We've opened up the box on Elite, which qualifies more borrowers for our elite rates.
ONE-TIME CLOSE NEW CONSTRUCTION
Earn valuable referrals from real estate agents and builders, plus help your borrowers build the dream home they want — all with Laenan's fast, easy process.
ARMS
Give your borrowers even lower rate options with our 5-, 7- and 10-year adjustable-rate mortgages.
Documents needed for all Pre-approvals
ALL BORROWERS:
- Copies of W2s for the last 2-years.
- Copies of paycheck stubs for the last 30-days, most current.
- Copies of checking and saving account statements for last 2-months, all pages.
- Copy of signed purchase contract.
- Employment history for the last 2 years address any gaps in employment.
- Residency history for the last 2-years: include name, phone number, address, and account number of landlord or mortgage company, rental property lease(s).
- Cancelled/Cleared earnest money check and corresponding bank statement, if applicable.
- Any assets used for down payment and cash reserves must be documented by a paper trail.
- Copy of driver’s license for applicant and co-applicant. & SS Card
- Homeowners Insurance Policy Declaration Page.
SELF-EMPLOYED BORROWERS:
- Copies of most recent 2-years tax returns, with all schedules including K1s, if applicable.
- Copy of current profit & loss statement and balance sheet.
- Copy of corporate/partnership tax returns for most recent 2-year period IF company ownership is 25% or more, including copies of W2s and/or 1099 forms.
DOCUMENTS WHICH MAY BE REQUIRED:
- Previous Bankruptcy? Include copies of petition for bankruptcy and discharge, including supporting schedules.
- Divorced? Include copy of Divorce Decree & MSA, if applicable.
- Retired? Include documentation supporting monies received from social security/retirement trust income. (like: copies of direct deposit bank statements, award letter(s), and evidence income will continue.)
- Received Gift Funds or Assets? Include signed gift letter for gift funds if used for down payment.
