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Licensed Broker · NMLS #2727571 · CA & TX

Loans for
W2 / 1099 earners

We shop dozens of wholesale lenders to find the one that fits — and stay in your corner through closing day.

Apply for a Loan →Loan Programs
No spam. Never a credit pull without your OK.
Refi Watch
We watch the market daily
The day rates move
Your loan officer emails you
LO
Good news about your rate watchA personal email from a real person — no phone calls, no robo-texts.
✓
You decide what happens nextReply when you’re ready. Zero pressure.
Every single loan
Dozens of lenders, compared
Lender A
Lender B
Best fit
Lender D
★ We pick the one that fits you
Not applying today?

We still work for you

For homeowners

Can I refinance today?

We watch the market for you. The day rates move in your favor, your loan officer emails you personally.

Set up my refi watch →
For agents & home shoppers

Which way did rates move?

One short email a week on where mortgage pricing went — plain English, no jargon, no sales calls.

Get the weekly note →
Loan programs

Built for borrowers with a story

Self-EmployedNo Income DocsDSCRInvestmentForeign National

Ready when you are.
Let’s find your loan.

A licensed loan officer, not a call center.

Apply for a Loan →
Address
282 Dondero Way
San Jose, CA 95119
Contact
Hours
Mon – Fri · 11 am – 4 pm
Available by appointment
Licensing
NMLS #2727571
California & Texas
LNZ Lending LLC — Licensed Mortgage Broker, CA & TX