Get the financial help you need with the service you deserve.

Get an quick loan approval for one of our loan programs:

JUMBO Loans

We make your dream home reality with as little as 20% down on jumbo loan mortgages. Looking to move up to a larger home? Our…

Credit Challenged Loans

A credit mishap does not mean a bad borrower. There are certain moments in life that are unexpected. We understand those moments. Therefore, we designed a…

Alternative Loans

We offer industry most comprehensive document options for qualification. For applicants who may not have traditional income sources and cannot document income by tax returns,…

Self-Employed Loans

Are you self-employed, your income is inconsistent, or insufficient due to large write offs? We can help. No tax returns required. Self-employed applicants often have challenges…

VA Loans

Buying your first home does not have to be complicated if you have the right partner. We have an experienced team of lending specialists to…

FHA Loans

Buying your first home does not have to be complicated if you have the right lending partner. We have an experienced team of lending specialists…

Conventional Loans

Conventional Conventional or Conforming loan available at Loan Direct with more flexibility than other lenders. We use common sense approach to underwriting. A conventional loan…

Investor Lending

If you are a seasoned investor, you may find yourself often use “private” or “hard money” loans for your investment properties. We designed a program…

Easy & Quick Loan Process

Your entire borrowing process simple and user friendly You can get your loan approved in as little as 48 hours

Complete Loan Application Form

You can easily fill out a loan application based on your loan requirements.

Get A Pre-Approval

Our team will get working on your loan application and give you a pre-approval quickly.

Get Funding

Hurray! You get fast and easy funding for your home loan or refinance.

At Loan Direct we know, owning a home means everything.

We founded Loan Direct because we were confident we could deliver the American dream of homeownership to customers just like you. Loan Direct serves thousands of customers a month, helping them achieve the American dream of homeownership or lowering their payments.

Loan Direct offers the widest range of loan products to suit your needs.
Residential: Loan Direct makes financing your dream home a reality with our wide variety of mortgage loans and programs.
Investment: Loan Direct offers a wide variety of investment programs for a high return on investment regardless of your budget size.
Commercial: Whether it’s a small warehouse or hotel financing, we can get your commercial project up-and-running or provide the capital needed to grow.

Why Choose Us

Loan Direct offers the widest range of loan products to suit your needs.

Easy Application

Our application portal makes applying for a home loan quick and easy.

Fast Approval Process

Get a fast approval from our loan officers.

Quick Pre-Approvals

Get a pre-approval letter quickly from our team of lenders.

Safe and Secure

Our application portal is encrypted to ensure your information is safe.

Competitive Rates

Depending on your loan program, we offer competitive rates.

Excellent Support

Our team is here to help Monday through Friday from 9AM PST to 5PM PST.

What People are Saying

“We highly recommend Loan Direct, especially Joe Lam and his team with Timothy Stewart and Hong Ding, if you are in need to get a loan to buy a house in this competitive seller market!
We would not be able to get our dream home without their top notch assistance!
It was such an incredible experience working with a genuine and experienced lender like Joe Lam at Loan Direct. We appreciate Joe Lam and his team’s assistance so much for being such an efficient partner through our home buying experience. We highly recommend Loan Direct to all home seekers!”

- Tram Doan

“As a Realtor, I need to have a good lender I can refer clients to who is easy to work with, has a wide variety of products, and can actually deliver what they promise. Nobody can make a deal harder to do than a bad lender. In almost 30 years of experience, I have worked with many, many, many lenders. Loan Direct has never failed me, never caused a problem, never delayed a closing, never failed to deliver. When my clients need a loan, I refer a couple of lenders, but it’s always best when they select Loan Direct.”

- Phillip Greenberg

“If you want the best lending experience, loan direct is here for you! As a realtor, I want to find the best lending options for my clients. I worked with many lenders, Joe always can figure out an option for all my clients. I am super happy to be able to work with this great team and definitely will continue to work with Joe and Tim!!”

- Maymay Huang

8%

Home Loans

12%

Personal Loans

10%

Car Loans

9%

Education Loans

We are redefining mortgage lending.

Why fund Your Home Purchase with Loan Direct? We offer unique loan programs ranging from FHA, Conventional home loans, and alternative lending solutions.