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

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

No Doc Loan

This special program designed for individuals who may be lack any credit OR income sources. Our No-Doc Loan program is a true No Income/ NoCredit…

ITIN

An ITIN is an Individual Tax Identification Number (ITIN) issued by the IRS and can be used as a form of ID for individuals. ITIN…

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 loans are available at Loan Direct with more flexibility than other lenders. We use a common sense approach to underwriting. A…

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

I just want to thank Joe Lam and his incredible team who did everything possible for me and my family in buying our first house I would honestly recommend Loan Direct to anyone buying a home for the first time. Thank you guys

- Jesus Fierros

Verry Professional and Friendly! The office made my hope and dreams come true.

- Linh Le

Was a pleasure to have the Loan Direct team help me with my home purchase, they have over 30 years of experienced in the loan industry and had helped me closed on my house although my situation was somewhat difficult where other lenders couldn’t help. I highly recommend Joe and his team of professionals and would definitely do business with them again.

- Jon Nguyen

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.