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What is Your Why?
Create memories
Build Equity
Raise a family
Stabilize Your housing costs
Be Proud of where you live
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Client Reviews
Welcome to Mortgage Lending Group LLC

The mission of Mortgage Lending Group is to be a leader in the residential mortgage industry by providing clients with trustworthy service to achieve their financing goals; efficiently guiding the process to achieve an expedient and successful closing rate; and creating a lending environment that is readily accessible to all borrowers.

We offer a full scale of loan programs for both residential coupled with a Partner Program to ensure the best Mortgage Professionals on your side.

Backed By Great People, 100% Customer Focused

The most important asset to our company, is our people. Our team was built with you as our focus.

Enrique Pelayo Profile Image

Enrique Pelayo Jr

Designated Broker / Founder
NMLS#: 131435
Reece Merkley Profile Image

Reece Merkley

Loan Loan Originator
NMLS#: 1162837
Jeffrey Thornton Profile Image

Jeffrey Thornton

Mortgage Loan Originator
NMLS#: 1162466
Dany Pocinwong Profile Image

Dany Pocinwong

Mortgage Loan Originator
NMLS#: 1647063
Shannyn Houtrouw Profile Image

Shannyn Houtrouw

Mortgage Loan Originator
NMLS#: 1642088
Robert Miller Profile Image

Robert Miller

Mortgage Loan Originator
NMLS#: 1921145

Justin Ocampo

Mortgage Loan Originator
NMLS#: 2027782

Heather Song

Mortgage Loan Originator
NMLS#: 1943689
Tell Us Your Story

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

Some Helpful FAQs
What information should I have available when I am ready to apply?

For your initial pre-qualification we’ll ask questions about your income, assets, credit history and employment. In addition, you will be required to pay a minimal fee to cover the cost of your credit report so that we can verify your credit history.

Once you start the application process we’ll need to verify the information you gave us with specific documentation, such as your last two years of income tax returns, bank statements, pay stubs and documents pertaining to other personally owned real estate. You’ll receive notification in writing of required documentation needed to obtain a final approval. In some cases, our Underwriting Department may request additional information.

Do I need to find a home before I apply?

No!  Getting started before you find a home may be the best thing you could do!

If you get started before you have a property to purchase, we can issue a pre-qualification subject to you finding the perfect home, which you can use to assure real estate brokers and sellers that you are a qualified buyer. Getting pre-qualified for a mortgage will even give more weight to any purchase offer you make.

When you find the perfect home, you’ll need to call your Loan Originator and provide your signed purchase agreement to complete your application. You’ll then have an opportunity to lock in our great rates and fees and we’ll complete the processing of your loan.

What are the benefits of owning a house? What are the advantages over renting?

There are many advantages to homeownership:

A sound investment – When you carefully choose a home you can afford, the payoff can be great. As a homeowner, instead of paying rent to a landlord, each month when you make your mortgage payment, you are building equity in a place of your own. The more mortgage payments you make, the more equity you’ll have. And unlike most things you buy, a home can actually appreciate in value as time passes, building more equity.

  • Tax advantages – The mortgage interest and real estate taxes you pay are tax deductible which can reduce your tax bill.
  • Real estate is marketable.
  • You can make your own decisions about design and décor.
  • You can invest in upgrades that will not only bring you pleasure but can also add to the value of the property over time.
  • You have control over the piece of property. You are not answering to a landlord.
I’ve heard about getting a Pre-Qualification, but what’s the advantage if I haven’t even started looking for a house yet?

You wouldn’t go shopping for a new car without knowing how much you can afford. Why would buying a home be any different?

Pre-Qualification Today = Less Stress House Shopping Tomorrow

Let’s face it. One of the most stressful things about buying a home is adjusting to your new mortgage payment. Knowing your family’s financial boundaries before shopping for your new home can make the process go much more smoothly.

Your pre-qualification is an essential tool when house shopping, because it…

  • Determines what homes are in your price range
  • Assures real estate brokers and sellers that you are a qualified buyer
  • Can be used to your advantage in future negotiations
What are your goals? Everyone is unique, request your personalized rates and fees.
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