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Meet next gen lending.
Where cutting-edge AI technology meets unbeatable rates. Enjoy a seamless, fully digital mortgage process with the option for expert guidance when you need it.
Trusted by top-tier wholesale lending institutions nationwide
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New to Home Buying? Ask Us Anything!
Try our free First-Time Home Buyer GPT tool to Get Real-Time Answers to All Your Mortgage and Home Buying Questions.
Why Choose Us?
Fast and Effortless Approvals
Experience quick and hassle-free mortgage approvals.
Lower Rates and Costs
Access competitive wholesale rates without junk fees and costs.
Apply 100% Online, on Your Schedule
Complete the entire process without time-consuming phone calls and paperwork.
The Traditional Mortgage Process vs. Our Streamlined Approach
Traditional Mortgage Process:
Hidden Costs: Typically, lenders don't reveal their rates upfront, leaving you guessing whether you're getting a good deal.
Lengthy Applications: Most lenders require you to fill out extensive applications before even showing you a rate.
Constant Calls and Emails: Once you've shown interest, expect to be bombarded with follow-up calls and emails, pressuring you to make a decision.
Complex Steps: Multiple in-person or phone visits, endless paperwork, and unclear next steps make the process overwhelming and time-consuming.
Our Streamlined Process:
Upfront Pricing: We believe in transparency, providing you with upfront pricing so you know you're getting a low rate from the start.
Affordability Check: Our easy-to-use tool lets you pre-check your affordability without any commitment or personal information required.
Fully Digital Application: When you're ready to move forward, simply fill out a quick and fully digital application online, saving you time and hassle.
Effortless Progress Tracking: Log in to our secure portal to check any additional requested information, and receive email updates on your approval status.
No Unwanted Calls: We respect your time and privacy. You'll only hear from us if you request a call or need assistance. We keep the process smooth, straightforward, and stress-free.
How it Works
24/7 Support with Access to Expert Loan Officers
Enjoy the convenience of our fully online and digital mortgage process while still having access to loan officers around the clock to answer any questions and provide personalized assistance whenever you need it.
Frequently asked questions.
What is WAM Lending?
WAM Lending is a tech-driven mortgage company that focuses on providing fast, transparent, and personalized mortgage solutions to homebuyers and homeowners. Our company leverages advanced technology, including AI, to streamline the mortgage process from start to finish. We operate with a fully digital setup, allowing us to keep costs low and pass the savings on to our clients in the form of competitive interest rates.
How does WAM Lending reduce costs and fees?
By leveraging AI and a fully digital process to streamline operations and reduce office and staffing needs, WAM Lending lowers operational costs. These savings are passed on to customers in the form of reduced fees and more competitive mortgage rates.
What types of mortgages does WAM Lending offer?
WAM Lending offers an extensive catalogue of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, and Non-QM loans. Our AI-driven platform helps match you with the best mortgage product for your needs.
How long does the mortgage approval process take?
Our streamlined, fully digital process is designed for efficiency, typically resulting in faster approvals compared to traditional lenders. While the exact timeline can vary based on the specifics of your loan, many of our clients receive their pre-approval within 24-48 hours of submitting all necessary documents.
How does WAM Lending ensure I get the best mortgage rate?
At WAM Lending, we use advanced technology and a network of wholesale lenders to provide you with real-time, competitive rates. Our digital process allows you to check your rate instantly without having to fill out lengthy applications or provide personal information upfront.
Can I get pre-approved for a mortgage without affecting my credit score?
Yes, our pre-approval process includes a soft credit check option, which does not impact your credit score. This allows you to get a clear picture of your borrowing power without any potential negative effects on your credit.