Mortgage brokerage · Originating since 2011
Borrow with
precision.
Your file is structured once, then priced by twenty-seven lenders at the same time. You see every offer side by side, and close on a date you can plan around.
- 27 lenders bid on one file
- Broker fees disclosed up front
- 17-day average close
$1.2B
Funded since 2021
1,800+
Families helped
17 days
Avg. closing
The lending matrix
Six ways to structure a loan.
Every program below is underwritten in-house and shopped across our lender panel, so pricing is compared before you commit. Pick a program to start the application with it already selected.
Conventional
Agency-backed financing with the widest lender appetite and the cleanest pricing.
- Down payment
- 3% – 20%
- Terms
- 15 · 20 · 30 yr
- Credit floor
- 620
W-2 buyers with solid credit who want to avoid mortgage insurance at 20% down.
Start with ConventionalFHA
Forgiving underwriting for first-time buyers and thinner credit profiles.
- Down payment
- 3.5%
- Term
- 30 yr
- Credit floor
- 580
First-time buyers with limited savings or a shorter credit history.
Start with FHAVA
Zero-down financing for veterans, active duty and surviving spouses.
- Down payment
- 0%
- Term
- 30 yr
- Funding fee
- Waived (some)
Eligible service members buying a primary residence.
Start with VAJumbo
High-balance lending placed with portfolio banks, priced case by case.
- Loan size
- Up to $3M
- Down payment
- 10%+
- Credit floor
- 700
Buyers above the conforming limit who want bank-grade pricing.
Start with JumboBank Statement
Qualify on 12–24 months of deposits instead of tax returns.
- Documentation
- 12–24 mo
- Down payment
- 10%+
- Credit floor
- 660
Self-employed borrowers and business owners with write-offs.
Start with Bank StatementDSCR / Investor
Rental property loans qualified on the property's cash flow, not your income.
- DSCR
- 1.0x+
- Down payment
- 15%+
- Entity vesting
- Allowed
Investors scaling a rental portfolio or short-term rentals.
Start with DSCR / InvestorThe process
Four stages. No black boxes.
A mortgage file has a fixed number of moving parts. We show you each one as it clears.
Pre-approval in 24 hours
Income, assets and credit are reviewed by a human underwriter — not a call-center script — so you can shop with a real number.
Your file goes to bid
We submit one structured file to 27 lenders and return the top three offers side by side, with every fee disclosed up front.
Underwriting, handled
Your officer owns the conditions list and the appraisal timeline. You get a weekly status call with the exact remaining items.
Clear to close
Closing costs are re-verified against the disclosure, funds are wired, and the recording is confirmed the same day.
Why the file matters
Lenders price the document, not the person.
A complete, well-ordered file gets a better exception and a faster appraisal. Every Alliance application is pre-underwritten by a credit analyst before it reaches a lender, which is why our clients see fewer conditions and shorter timelines than the industry average.
- Avg. conditions
- 4
- Industry avg.
- 11
Client outcomes
Rated 4.1 out of 5 on Google.
Unedited reviews from our Google Business profile — 18 reviews in total, refreshed straight from Google.
“I would highly recommend Alliance Lending! Teo and his team were wonderful to work with during our refinance. I felt like I was guided through every step of the process. He always had clear communication and addressed any questions/concerns. Him and his team truly care about their clients and I would definitely work with them again.”
Alyssa Piwowarski
3 years ago · Google review
“I am a first time homeowner, and when my agent Marcella Straub, connected me with Teo Valencia from Alliance Lending, I had the best experience buying my house. From the moment I met Teo, he has been nothing but the best, walking me through every aspect of securing a loan. At one point I couldn't figure out how to attach a document, so Teo sent me a much easier secure email and walked me through it, It was easy and the transition was smooth. He called me to check on me, and he got me the best deal. I went through other lenders and couldn't get the loan I needed, but Teo worked with me to get the loan I needed to buy me new home. When it was all said and done, Teo called me and told me to watch out for others trying to scam me, telling me I could contact him anytime if I needed help. I really feel like Alliance Lending had/has my best interest at heart. I definitely give them, Teo and Alliance Lending, 5 Gold Stars.”
Brandi Taliano
4 years ago · Google review
“We worked with Teo Valencia who gave us a great rate and even better customer service. We had a short closing timeline already and he was able to speed it up even more mid-escrow, to accommodate for seller requests. I am very impressed with his professionalism and ability to work with us on all of our needs. We will definitely go with Teo next time we refinance or purchase another home!”
juliana ramirez
4 years ago · Google review
“I was a renter of 13 years on the same house unfortunately the owner needed her house back, so she gave us 90 days, so it turned our life upside down. Frustrated with the situation I ask a friend of mine that had recently purchased a home who they went through so she gave me Teo Valencia number he is an agent at Alliance Lending, So I had no idea that I was able to actually Qualify for a loan these guys made it happen. I’m now a homeowner I’m im not worried about nobody kicking out my house except for maybe my wife 🤣”
Luis Lopez
4 years ago · Google review
Reviews sourced from Google · Individual results vary by credit, income and property
Questions
Answers, plainly.
Still unclear on something? A loan officer will walk through it on a 15-minute call — no application required.
Open a file
Your file, opened in four minutes.
Nine questions, no credit pull, and a licensed loan officer reaches out the same business day with real numbers.