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.

Privacy Policy | LendyWendy - California Mortgage Matching

1. Introduction

LendyWendy ("we," "us," or "our") operates the website lendywendy.com (the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our mortgage matching services. By using the Service, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

Personal Information

When you use our Service, we may collect:

Name, email address, and phone number
Property and loan information (loan type, property value, location)
Financial information (credit score range, income range, employment status)
IP address, browser type, and device information
Chat conversation transcripts with our AI advisor
Mortgage readiness assessment responses and scores

Automatically Collected Information

We use Google Analytics 4 to collect usage data including pages visited, time on site, referral source, and device/browser information. This data is anonymized and used solely for improving our Service.

3. How We Use Your Information

To match you with appropriate mortgage lenders and professionals
To send you your mortgage readiness score and recommendations
To communicate with you about your inquiry
To improve our AI advisor and Service quality
To comply with legal obligations
To detect and prevent fraud

4. Information Sharing

We share your personal information only with licensed mortgage professionals and lenders who may be able to assist with your mortgage needs. We do not sell your personal information to third parties for marketing purposes. We may share information:

With mortgage lenders and agents matched to your profile
With service providers who assist in operating our Service (e.g., email, hosting)
When required by law or to protect our legal rights
In connection with a business transfer or merger

5. TCPA Consent & Communications

By submitting your contact information and checking the consent checkbox on our forms, you expressly consent to receive telephone calls, text messages, and emails from LendyWendy and our matched mortgage professionals regarding your inquiry. You understand that this consent is not a condition of purchasing any property or obtaining any loan. Standard message and data rates may apply. You may opt out at any time by contacting us.

6. Data Security

We use industry-standard security measures to protect your personal information, including encrypted connections (HTTPS/TLS), secure database storage, and access controls. However, no method of transmission over the Internet is 100% secure.

7. Cookies & Tracking

We use cookies and similar technologies for analytics (Google Analytics 4), error tracking (Sentry), and to improve your experience. You can control cookies through your browser settings.

8. Your Rights

You have the right to:

Access the personal information we hold about you
Request correction of inaccurate information
Request deletion of your personal information
Opt out of marketing communications
Request a copy of your data in a portable format

California residents have additional rights under the CCPA/CPRA, including the right to know what personal information is collected and the right to opt out of the sale of personal information. We do not sell personal information.

9. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us at privacy@lendywendy.com.