“Super impressed with how fast and smooth the whole process was — especially given my complex RSU comp structure that traditional banks kept discounting.
Eric and the team had no problem including my full base + RSU compensation. They were extremely fast, set clear expectations from the start, and followed through on everything they promised.
Honestly one of the easiest and most stress-free mortgage experiences I’ve ever had. Highly recommend!”
Why Choose LendFriend Mortgage
At LendFriend Mortgage, we focus on delivering the experience borrowers expect from a modern mortgage broker: responsive communication, expert guidance, and dependable execution from pre-approval through closing. Based in Austin and serving clients nationwide, we help homebuyers and homeowners navigate purchases, refinances, conventional loans, VA loans, jumbo mortgages, and non-QM financing with confidence.
The LendFriend Story
LendFriend Mortgage was founded by brothers Eric and Mike Bernstein with a clear goal: make mortgage financing easier to understand, more responsive, and better aligned with each borrower’s income, assets, goals, and circumstances.
Based in Austin and serving clients across 18 states, LendFriend helps borrowers secure financing for every stage of homeownership, from buying a first home or relocating to purchasing a larger home or investment property. We work with W-2 employees, self-employed borrowers, and high-net-worth clients through conventional, VA, jumbo, and non-QM loan programs, with particular expertise in financial scenarios traditional banks may struggle to approve.
Eric and Mike built LendFriend Mortgage around the experience borrowers deserve: direct communication, practical guidance, strong execution, and a team that remains accountable from pre-approval through closing.
Today, LendFriend Mortgage helps clients finance primary homes, second homes, investment properties, and refinances across the country. Whether the solution is a conventional mortgage, VA loan, jumbo mortgage, bank statement loan, asset depletion mortgage, DSCR loan, or another non-QM option, our focus remains the same: understand the borrower, identify the right loan, and keep the transaction moving.
Community Outreach
LendFriend is proud to support the communities where our clients and team members live and work. Under the leadership of Eric and Mike Bernstein, we contribute to youth sports, food banks, educational programs, veterans’ initiatives, and local organizations serving families in need.
Our involvement goes beyond financial contributions. The LendFriend team regularly participates in community events, volunteer efforts, fundraisers, and sponsorships that create meaningful local impact.
Homeownership can strengthen families and neighborhoods for generations. We are committed to supporting that progress both through the mortgage financing we provide and the organizations we stand behind.
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Benefits of Working With LendFriend Mortgage
LendFriend Mortgage is a nationwide mortgage broker specializing in non-QM loans, jumbo mortgages, and complex borrower profiles. We combine access to 40+ lending partners with senior-level guidance, responsive communication, and fast execution for clients who expect a premium mortgage experience.
Non-QM Loan Expertise
We specialize in bank statement loans, asset depletion mortgages, DSCR loans, RSU income, jumbo financing, and other solutions for borrowers with complex income or significant assets.
Pre-Approvals in 24 Hours
We review your income, assets, credit, and property details upfront so you can receive a reliable pre-approval and move quickly when the right opportunity appears.
A Better Client Experience
You get direct access to an experienced mortgage professional who communicates clearly, stays proactive, and helps keep the process moving from application through closing.
Solutions for Complex Scenarios
We regularly help borrowers qualify using business cash flow, investment portfolios, retirement assets, rental income, stock compensation, and other nontraditional financial profiles.
Access to 40+ Lending Partners
Our broad lender network gives us more options for first time homebuyers, move up buyers, self-employed borrowers, real estate investors, executives, retirees, and high-net-worth clients.
Closings in as Little as 14 Days
For streamlined files and time-sensitive transactions, LendFriend can coordinate closings in as little as 14 days when requested, helping buyers compete and meet demanding contract deadlines.
BORROWER TESTIMONIALS
See Why Borrowers Call Us the Best Mortgage Broker
From first-time homebuyers and business owners to jumbo borrowers and clients with complex income, see what borrowers across the country say about working with LendFriend Mortgage.
★★★★★
“LendFriend is the absolute best. I found them after I was denied by a lender due to an appraisal issue. I spoke with dozens of lenders, but LendFriend was the only one that could figure out a solution. They were able to close my jumbo loan in less than 3 weeks and hit my closing date. If you need a lender to step in and save the day, call LendFriend!”
“I recently used LendFriend for my home purchase, and they were fantastic! The team was professional, responsive, and truly caring. They explained everything clearly, answered all my questions, and made the process smooth and stress-free.
What really sets them apart is their forward-thinking approach—they accept cryptocurrency holdings as proof of income/assets, which was a game-changer for me and made qualifying so much easier. Communication was excellent, they secured a great rate, closed on time with no hidden fees, and their online portal was super easy to use.
If you want a modern lender that puts you first, embraces crypto, and delivers results, choose LendFriend. I’ll recommend them to everyone—thank you for making my dream home possible!”
“As a 1099 worker with non-traditional income history, Eric was able to think outside the box and help me find a mortgage for my first home. The company was always problem-solving and the process was seamless. I have already recommended them to several other friends and colleagues. If you are a non-traditional borrower or are looking for someone that can come up with creative solutions, check out LendFriend!”
“The team at LendFriend made buying our home in Florida so easy. We had an expiring lease and LendFriend was able to move very quickly to get us closed in under 30 days before the lease ended. They also got us a great rate on a jumbo loan and were available day and night to answer all of our questions. If you’re looking for a mortgage broker that makes the process stress-free while still getting you a great rate, you have to call LendFriend.”
“LendFriend made my homebuying experience so easy. As a business owner, I heard horror stories about how hard it can be for guys like me to get a mortgage. Thankfully I found LendFriend. Eric and the team had me approved in no time. My rate was great and they closed on time. Couldn’t ask for more.”
“Financing a home with acreage and unconventional retirement income can be overwhelming, but LendFriend Mortgage made the process smooth from beginning to end.
They were always quick to respond, answered every question we had, and explained each step in a way that was easy to understand. We always had direct access to the people actually working on our loan, which made the experience much less stressful.
What really stood out was that even after the loan funded, they continued helping and making sure we understood the next steps. There was never a feeling of “the loan closed, good luck.”
We truly appreciated the patience, communication, and support through the entire process and would absolutely recommend LendFriend Mortgage, especially for anyone with a unique financial situation or rural property purchase.”
“Eric and his team went above and beyond to help us with our home purchase. Our realtor recommended LendFriend to us and we couldn't have been happier with the recommendation. They were so nice and answered every question we had no matter how insignificant it seemed.”
LendFriend Mortgage FAQs
Who will I work with at LendFriend Mortgage?
You work directly with a licensed loan officer from the first conversation, not a call center or a rotating queue. The LendFriend Mortgage team is led by co-founders Eric and Mike Bernstein, and Eric alone has closed more than $1.5 billion in home loans since 2018. The same people who structure your loan stay accountable for it through closing.
Which states is LendFriend Mortgage licensed in?
LendFriend Mortgage is based in Austin and licensed in 18 states: California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Maryland, Michigan, New Hampshire, New Jersey, North Carolina, Ohio, Oregon, South Carolina, Tennessee, Texas, and Virginia. Borrowers buying or refinancing in Texas, Florida, Illinois, and Colorado have access to the same conventional, VA, jumbo, and non-QM programs as clients in every other state where we lend.
Does LendFriend Mortgage offer jumbo loans?
Yes. Jumbo loans are a core part of our business, with financing above the conforming loan limit for primary residences, second homes, and investment properties. Borrowers whose income does not fit a standard jumbo file can qualify with a jumbo bank statement loan or a jumbo asset depletion loan, and eligible veterans can finance a higher-priced home with a VA jumbo loan.
Why work with a mortgage broker instead of a bank?
A bank can only offer its own programs and its own underwriting guidelines. As a mortgage broker, LendFriend compares pricing and guidelines across 40+ lending partners from a single application, which gives you a wider range of loan options and competitive mortgage rates. The difference matters most for self-employed borrowers, executives paid in stock, and clients with significant assets, where one lender may decline a file another will approve.
What resources does LendFriend offer to help me prepare for a mortgage?
Our mortgage calculators estimate monthly payments, affordability, refinance savings, DSCR, and bank statement income before you apply. The mortgage resources hub adds weekly rate alerts and The REcap market newsletter, and the Learning Center publishes detailed articles on jumbo, non-QM, VA, and refinance topics written by Eric and Mike Bernstein.