Loan Direct
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Loan Direct
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, . 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. 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 Conventional or Conforming loan available at Loan Direct with more flexibility than other lenders.
Services
We are an omni-channel lending company striving to build a better way for our clients and products. We make sure you have the details you need to get the right solution based on your needs. We give you online tools to keep track of what we need from you, what we're working on and what's already done.
Conventional or Conforming loan available at Loan Direct with more flexibility than other lenders. We use common sense approach to underwriting. A conventional loan is not associated with the FHA, USDA, or VA. It generally requires at least 5% down (though it can be as low as 3% for some buyers), but private mortgage insurance (PMI) is required for down payments of less than 20%.
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 to help you navigate through. We offer wide range of loan products to choose from. Because FHA loans are insured by the Federal Housing Administration (FHA), it's easier to qualify for them.
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 help you navigate through. We offer wide range of loan products to choose from. VA loans are designed specifically for military personnel both active and inactive.
Reviews (6)
Jesus Fierros
Jesus Fierros
Sep 23, 2021
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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
Brandon Domondon
Brandon Domondon
Sep 21, 2021
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I highly recommend Loan Direct! Joseph Lam is amazing, professional, and on point. I highly appreciate him and his hard work!
Gia C.
Gia C.
Oct 16, 2020
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Amazing and fast service. Financed my clients quickly and with a great rate!
Jon Nguyen
Jon Nguyen
Aug 31, 2020
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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.
Phillip Greenberg
Phillip Greenberg
Jul 21, 2020
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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.
Susan Thai
Susan Thai
Jul 10, 2020
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Thanks to Joe Lam who was done my four loans for refinance, they were closed on time as promised!