Get a No-Obligation Rate and Closing Cost Analysis!

Request Personalized Mortgage Information Today

We offer several convenient and secure options to apply for a loan.

We suggest using the borrower information form unless you have been instructed by your loan consultant to fill out a full application. We will gladly take your application over the phone and assist you with any questions you may have. Call us 1-800-220-8851. Our mission is to help you with all your mortgage needs. We will use our expertise to find the right program for you.


Get pre-qualified

Let us walk you through the whole process and make it easy for you! Use our interactive form within the banner above and receive a No-Obligation Rate and Closing Cost Analysis. You can also use our Get Pre-Qualified form to receive a pre-approval letter that will help you find your home or refinance. No matter your needs, we are here to help!

 

We’ll take care of you

Great customer service

At Ivy Lending we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you.

Superior loans and mortgages

We work with multiple lenders and we can provide our clients with extremely competitive pricing. Now you can do all your comparison shopping with one company without wasting time with several banks or brokers.

Clients come first

We make sure our clients get the best support from our staff. We will walk you through the whole mortgage process and ensure your transactions close smoothly.

Choose Your Option

 

 
 
purchase

PURCHASE

purchase

REFINANCE

purchase

REFINANCE CASH OUT

 

Mortgage Resources

  • Compare Loans

    Our complete list of loans along with their detailed description will help you decide which loan is good for you.

  • Questions & Answers

    Here we tried to answer the most important questions you may have. For more answers call 1-800-220-8851.

What People Are Saying

 

"I wanted to let you know how impressed I was with the job everyone did at your company. I have refinanced several times in the past and usually pick the company that has the lowest rates. Of course I did the same when I chose your company. However, this time I received great service to go with the low rate."

— Mary & Tom R.

"I just wanted to thank you for constantly following up with me. The last time I refinanced it seemed as if I always had to follow up with the mortgage company. Thanks for staying on top of everything and keeping things moving forward."

— John S.

"Your company was so much more professional than the last mortgage company I used. Every question I asked was answered honestly and accurately. I would recommend you to anyone."

— Robert M.

Contact us.

info@ivylending.net

1-800-220-8851

 

FAQs

If you have additional questions that aren't listed below, contact us at 1-800-220-8851. You can also email us any time!

 
  • It shouldn't be a problem. There are many programs available today that require less than 5% down payment. The best thing to do would be to call us and we can find the right program for you.

  • Yes, the different types of loan programs being offered are changing every day. We find the best loan scenario for all our clients. Unlike big banks that are restricted to using loan programs and rates being offered at that time by the bank, we have access to many lenders. What we do is find the lender that best fits your needs. Call us today and let us show you what we can do for you.

  • Yes, you can. However, the rules regarding this issue are constantly changing. Your best bet would be to contact your accountant. Your accountant can inform you of your best options in regards to this.

  • With a fixed rate mortgage, the interest rate and the amount you pay each month remain the same over the entire mortgage term, traditionally 15, 20 or 30 years. Several variations are available, including five- and seven-year fixed rate loans with balloon payments at the end. With an adjustable rate mortgage (ARM), the interest rate fluctuates per the indexes. Initial interest rates of ARMs are typically offered at a discounted ("teaser") interest rate lower than fixed rate mortgage. Over time, when initial discounts are filtered out, ARM rates will fluctuate as general interest rates go up and down. Different ARMs are tied to different financial indexes, some of which fluctuate up or down more quickly than others. To avoid constant and drastic changes, ARMs typically regulate (cap) how much and how often the interest rate and/or payments can change in a year and over the life of the loan. Several variations are available for adjustable rate mortgages, including hybrids that change from a fixed to an adjustable rate after a period of years.

  • It depends. Because interest rates and mortgage options change often, your choice of a fixed or adjustable rate mortgage should depend on: the interest rates and mortgage options available when you're buying a house, your view of the future (generally, high inflation will mean ARM rates will go up and lower inflation that they will fall), and how willing you are to take a risk. When mortgage rates are low, a fixed rate mortgage is the best bet for most buyers. Over the next five, ten or thirty years, interest rates are more apt to go up than further down. Even if rates could go a little lower in the short run, an ARM's teaser rate will adjust up soon and you won't gain much. In the long run, ARMs are likely to go up, meaning most buyers will be best off to lock in a favorable fixed rate now and not take the risk of much higher rates later. Keep in mind that lenders not only lend money to purchase homes; they also lend money to refinance homes. If you take out a loan now, and several years from now interest rates have dropped, refinancing will probably make sense.

  • Private mortgage insurance (PMI) policies are designed to reimburse a mortgage lender up to a certain amount if you default on your loan. Most lenders require PMI on loans where the borrower makes a down payment of less than 20%. Premiums are usually paid monthly or can be financed. Except for some government and older loans, you may be able to drop the mortgage insurance once your equity in the house reaches 22% and you've made timely mortgage payments. The Servicing Lender will have the requirements for canceling the mortgage insurance.