LendyWendy is an AI-powered mortgage matching service that connects California homebuyers with top-rated local mortgage lenders. Our technology analyzes your financial profile and matches you with lenders offering the best rates for your specific situation.

Is LendyWendy free to use?

Yes, LendyWendy is 100% free for borrowers. We are compensated by lenders when a loan closes, so there's never any cost to you for using our matching service or AI advisor.

Will checking my mortgage options affect my credit score?

No. Using LendyWendy's AI advisor or Mortgage Readiness Score does not impact your credit score. We only perform a soft inquiry which has no effect on your credit.

What types of mortgages can I find through LendyWendy?

LendyWendy matches borrowers with lenders offering all major loan types including Conventional, FHA, VA, USDA, Jumbo, DSCR, fix-and-flip, commercial mortgages, and Non-QM loans for self-employed or non-traditional income borrowers.

How fast can I get pre-approved?

Most borrowers receive pre-qualification within 2 minutes using our AI advisor. Full pre-approval with a matched lender typically takes 24-48 hours after document submission.

Does LendyWendy serve all of California?

Yes, LendyWendy serves all California markets including Los Angeles, San Francisco, San Diego, Sacramento, San Jose, Orange County, and every other city and county in the state.

What is a DSCR loan and who qualifies?

A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies borrowers based on the property's rental income rather than personal income. Real estate investors qualify when the property's rental income covers at least 100% of the mortgage payment. No tax returns or employment verification required.

What credit score do I need for a California mortgage?

Credit score requirements vary by loan type: FHA loans accept 580+ (3.5% down) or 500-579 (10% down), Conventional loans require 620+, VA loans typically need 620+, and Jumbo loans usually require 700+. LendyWendy matches you with lenders who specialize in your credit profile.

How much down payment do I need to buy a house in California?

Down payment requirements depend on loan type: VA and USDA loans offer $0 down for eligible borrowers, FHA loans require 3.5% down, Conventional loans start at 3% down for first-time buyers, and Jumbo loans typically require 10-20% down. California down payment assistance programs may also be available.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is a quick estimate based on self-reported information and doesn't involve a credit check. Pre-approval is a formal commitment from a lender after reviewing your credit, income, and assets. Pre-approval letters make your offers more competitive in California's housing market.

Free Investor Tools

Investment Property Calculators

Analyze deals, calculate DSCR, estimate cash flow, and determine your ROI before you invest

Compare Rates View Loan Programs

Home Affordability Calculator

Find out how much house you can afford based on your income and debts

Annual Gross Income

Monthly Debts (Car, Credit Cards, etc.)

Interest Rate (%)

Loan Term

Down Payment: 20%

3%50%

Affordability Calculator

Determine how much investment property you can afford based on your income and debt profile.

Payment Calculator

Calculate your estimated monthly payment including taxes, insurance, and cash flow analysis.

Refinance Calculator

See if refinancing makes sense and calculate your potential savings and break-even point.

Rent vs. Buy Calculator

Compare the long-term financial impact of renting versus owning investment property.

DTI Calculator

Calculate your debt-to-income ratio to understand your loan qualification options.

Closing Costs Calculator

Estimate all your closing costs including lender fees, title, taxes, and prepaid items.

Disclaimer: These calculators provide estimates only and should not be considered financial advice. Actual mortgage terms, rates, and payments may vary based on your credit profile, property location, lender requirements, and market conditions. For accurate quotes, please connect with our lending partners.

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