Personalized loan options, explained before they're offered. HelloLend is your mortgage broker, specializing in homes with energy subscriptions.
Complex lending decisions broken into options a person can actually compare.
Options shaped to your circumstances, not a rate sheet handed over.
Support continues past closing, through the whole span of owning the home.
We know how homes with an energy subscription like OREQA work, and we explain what that means for the loan before anyone signs.
Financing a home you are purchasing, whether it is your first or your next. First-time programs, low down payment options and VA loans.
See purchase loans
Replacing your current mortgage with a new one, or borrowing against the equity you have built for a project or to consolidate debt.
See refinance loans
Loans that fund the work along with the home, from a kitchen update or energy-efficient upgrades to a new build.
See renovation loans
Our job is to make the mortgage process feel simple and clear. You will always have a real person on your side, and we stay with you from pre-qualification through closing and after.
Pre-qualifySubmitting a pre-qualification request on this site does not affect your credit score. If you decide to move to a full application, your loan officer explains what a credit check involves before anything is pulled.
A mortgage broker shops loan options for you rather than offering one product off a rate sheet. Your loan officer lays out the trade offs in plain language, gives you the exact terms, and stays with you through closing and after.
It depends on what you want your monthly payment to feel like, how long you plan to stay, and what you can put down. Plain answers are fine. Your loan officer turns them into options you can compare side by side.
OREQA is the home energy subscription that comes installed in every Hello Green Home. It is not financing and it is not part of your mortgage. HelloLend explains how the home is financed. OREQA explains the subscription.*
*Pricing, savings and performance guarantees are defined in the OREQA Powerplant Subscription and quoted to each home.
A loan officer reviews your goals and calls to walk you through your options. You choose the next step and the pace. No countdowns, no pressure.
Every November, the Federal Housing Finance Agency announces the conforming loan limit for the year ahead. Here is what the number means for your options.
Most of what actually lowers a home's appraised value isn't cosmetic, it's deferred maintenance that turned into water damage.
Private mortgage insurance protects the lender, not you, and on a conventional loan it is not permanent. Refinancing is one way out, and rarely the cheapest.