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What type of loan are you interested in?
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What is your current living situation?
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Which best describes your home buying status?
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What is the reason for refinance?
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What type of property do you own?
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What is the primary use of the property being purchased?
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What is the estimated value of your property?
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If you are not sure the current value of your home, you can look at your most recent property tax statement, try a tool like Zillow's Zestimate®* and/or look at recent sale prices of homes in your area.

*MLOA has no affiliation with the company or website of Zillow; reference has been supplied for informational purposes only.
What is the estimated value of the property you wish to purchase?
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How much do you expect to have for a down payment?
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Down payment is often perceived as the biggest obstacle to purchasing a home but it doesn’t need to be. Most loan programs do require 3.5% - 5% down but we also offer programs that allow 0% down. An experienced loan officer will explore all possibilities with you to find the program that best meets your needs.
What is the approximate equity in the property?
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Equity is simply the current value of your home minus the amount you owe on it.
What state is your property located?
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Mortgage lending practices and regulations vary by state. We require this information to ensure your inquiry is handled by someone with the proper licensing. Mortgage Lenders of America is licensed in 40 states. If you do not see your state on this list, it means we are not able to help you at this time.
Do you know your credit score?
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Your credit score will affect the type of loan programs available to you as well as the mortgage interest rate we are able to offer.
Please provide your score:
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How do you know your credit score?
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Have you ever had a home loan?
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Have you been delinquent on any home loan payments in the last 12 months?

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When was your last delinquent payment?
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Have you declared bankruptcy in the past two years?
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Don’t worry. If you’ve had a bankruptcy it may not disqualify you from getting a home loan. Depending on your bankruptcy type, most people can get a home loan after 2 years.
What is the bankruptcy type?
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Chapter 7: The most common form of bankruptcy among individuals. Chapter 7 Bankruptcy generally allows the debtor to make a fresh start.
Chapter 11: primarily applies to commercial enterprises that wish to continue business operations while repaying creditors through a court-approved reorganization plan.
Chapter 13: Designed for individuals with a regular income source, a desire to pay his or her debts, but currently is unable to do so.
When was the bankruptcy discharged?
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Have you had a foreclosure in the last 3 years?
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Most people can qualify for a home loan after three years from the time that your foreclosure case has ended.
What is the date of resolution?
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Do you have any outstanding judgments or tax liens?
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Do you have a payment plan in place or has it been settled?
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Have you ever had revolving credit such as credit cards?
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Have you been delinquent on any credit card payments in last 12 months?

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When was your last delinquent payment?
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Have you ever had any other loans, such as car loans or student loans?
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Have you been delinquent on any loan payments in the last 12 months?

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When was your last delinquent payment?
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What is your approximate gross monthly income?
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Please enter the total MONTHLY income BEFORE all taxes and other deductions are taken out. Include the total income for everyone who will be on this loan. We will use this information to determine what size mortgage you can afford.
Active or previous U.S. Military service (by you or your spouse)?
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You should select Yes if you or your spouse can answer Yes to any of the following:
  • • Have served 90 consecutive days of active service during wartime
  • • Have served 181 days of active service during peactime
  • • Have served more than 6 years of service in the National Guard or Reserves
  • • Are the spouse of a service member who died in the line of duty or as a result of a service related disability
What is your name?
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What is your street address?
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Knowing where you live helps us find loan products that best fit your specific situation. We don't disclose nonpublic personal information about our customers or our former customers to anyone, except as permitted by law or as otherwise disclosed in our Privacy Statement.
Where is your current zip code?
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What is your current city?
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We've attempted to help you along by pre-populating your city. Occasionally this information needs updated. Please make the change if needed.
What is your mailing address state?
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If the state that appears above isn't correct, hit the dropdown to update the selection.
What is your contact info?
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Is there a loan officer you'd like to work with?
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You may leave this field blank if you weren't referred by a member of the Mortgage Lenders of America team.
Would you like to receive correspondence via SMS/text message?
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Message and data rates may apply.
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Just The Facts

Get to know one of America's favorite online mortgage lenders.

Details, please

Mortgage Lenders of America employs over 300 lending professionals trained to help buyers make informed, confident decisions about their mortgage selection. Our team is experienced with government loans (FHA, VA, USDA) as well as Conventional loans. We offer loan options for primary residences, 2nd homes and investment properties.

Products:

Whether you're looking to purchase a new home or refinance, we have the products and expertise to make it happen. And with the ability to handle all aspects of the loan in-house, borrowers can expect a quicker, more efficient path to closing.*

Accolades:

  • Funded over 30,000 loans in the United States since 2000
  • Consistently achieves customer satisfaction ratings about 94%**
  • Multi-year winner of #1 Purchase Lender distinction on LendingTree 
  • Awarded Top 10 Customer Satisfaction - Home Lending by Lending Tree Q4 2016
  • Recognized as Best in Online Lending - USA 2016 by BUILD magazine
  • Inc. Magazine recognized MLOA as one of America's 5,000 fastest growing companies
  • Kansas City Business Journal recognized MLOA as one of the Fastest Growing Area Businesses and Top Area Private Companies

Disclosures:

*Based on average time from submission to funding compared to national averages as published by Ellie Mae Nov 2016

**Based on funded loan survey data

To calculate your debt-to-income ratio, add up all your monthly debt payments and divide them by your gross monthly income.

Private Mortgage Insurance (PMI) is a policy which protects lenders or investors from possible loan default and is determined based on the loan to value ratio of the loan in question.

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To calculate your debt-to-income ratio, add up all your monthly debt payments and divide them by your gross monthly income.

Private Mortgage Insurance (PMI) is a policy which protects lenders or investors from possible loan default and is determined based on the loan to value ratio of the loan in question.