We offer many different types of loans, along with the knowledge and experience to explain each one and tailor it to your needs.
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8%
Home Loans
12%
Personal Loans
10%
Car Loans
9%
Education LoansRedefining Home Purchasing
Why fund Your Home Purchase with Loan Direct?
Exceptional customer service
Quality, competitive loan options
Licensed in all 15 states
Tech-enabled lending platform
Welcome to the neighborhood
Recently funded projects.
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.
What clients Say
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
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…
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