At Everyday Lending, we know that no two borrowers are the same. Whether you’re buying your first home, refinancing, or investing, we offer flexible mortgage options, competitive rates, and real guidance—so you can move forward with clarity and confidence. We make home loans feel simple, personal, and built around what matters to you.
At Everyday Lending, we offer a variety of home loan solutions designed to fit your everyday goals. Whether you’re buying your first home, refinancing, or investing in property, we make it easy to find the right loan. With competitive rates, personalized support, and flexible programs, we’re here to guide you through a home financing experience that feels simple, smart, and stress-free.
Conventional home loans are a great option for buyers with strong credit and steady income. At Everyday Lending, we offer competitive rates, flexible terms, and a smooth approval process to help you finance your primary residence, second home, or investment property. With expert support and simple solutions, we’ll guide you toward a home loan that fits your goals—without the stress.
FHA home loans are perfect for first-time buyers or those with less-than-perfect credit. Backed by the Federal Housing Administration, these loans offer low down payments, flexible credit requirements, and affordable interest rates. At Everyday Lending, we make it easier to qualify and move forward with confidence—so you can buy a home you love, even if you’re just getting started.
VA home loans are a powerful benefit for veterans, active-duty service members, and eligible spouses. Backed by the U.S. Department of Veterans Affairs, they offer no down payment, no PMI, and competitive rates. At Everyday Lending, we’re proud to support those who serve by providing a streamlined path to homeownership with expert guidance and a lending experience built on respect and trust.
Jumbo home loans are designed for buyers purchasing high-value homes that exceed standard conforming loan limits. At Everyday Lending, we offer competitive rates, flexible terms, and tailored solutions to help you finance luxury properties with ease. Whether you’re buying a primary residence, second home, or investment property, we make it simple to secure the loan you need—without limitations.
If you’re a self-employed borrower, qualifying for a mortgage can feel complicated—but it doesn’t have to be. At Everyday Lending, our self-employed home loans use bank statements, tax returns, or other documentation to verify income. We offer flexible guidelines and personalized support, helping entrepreneurs, freelancers, and small business owners achieve homeownership with solutions that reflect how you really earn.
Non-Qualified Mortgage (NQM) loans are built for borrowers with non-traditional income, recent credit events, or unique financial situations. At Everyday Lending, we offer flexible documentation, including bank statement and asset-based options, to help you qualify. With competitive rates and custom loan structures, NQM loans provide a smart, accessible path to homeownership—even when conventional guidelines don’t apply.
Bank statement loans are ideal for self-employed borrowers who can’t qualify using traditional income documentation. At Everyday Lending, we use 12 to 24 months of bank statements to verify income and offer flexible terms and competitive rates. Perfect for freelancers, contractors, and entrepreneurs, these loans provide a clear path to homeownership based on your real cash flow—not just your tax forms.
Ready to grow your real estate portfolio? At Everyday Lending, our investment property loans are designed for purchasing rental homes, vacation properties, or multi-unit residences. We offer competitive rates, income-based qualification, and personalized support to help you make smart, strategic investment decisions—so you can build long-term wealth through real estate.
ITIN loans make homeownership possible for borrowers without a Social Security number. If you file taxes using an Individual Taxpayer Identification Number (ITIN), Everyday Lending can help you secure a home loan using alternative documentation, flexible terms, and competitive rates. Whether you’re buying your first home or investing, we’re here to help you build your future with confidence.
Looking to lower your interest rate, reduce monthly payments, or access your home equity? Everyday Lending offers a range of refinance home loan options to match your goals. Whether you’re consolidating debt, funding renovations, or just improving your loan terms, we make refinancing simple, smart, and aligned with your financial future.
A cash-out refinance allows you to turn your home equity into usable cash by replacing your existing mortgage with a new one. Use the funds for home improvements, debt consolidation, or big life expenses. At Everyday Lending, we offer competitive rates, flexible terms, and a smooth process to help you unlock the value of your home—on your terms.
Whether you’re planning a remodel or building a new home from the ground up, Everyday Lending offers renovation and construction loans tailored to your vision. These loans cover project costs and long-term financing in one package. With flexible draw schedules, competitive rates, and expert support, we make it easy to bring your dream home to life.
USDA home loans are a great option for buyers in eligible rural and suburban areas. Backed by the U.S. Department of Agriculture, these loans offer zero down payment, low interest rates, and flexible credit requirements. At Everyday Lending, we help you take advantage of this affordable program and guide you through the process with ease.
At Everyday Lending, we’re passionate about helping you buy your first home. Our First-Time Homebuyer programs and Down Payment Assistance (DPA) loans offer low down payments, flexible credit options, and access to grants or forgivable loans that reduce upfront costs. We’ll help you make a confident transition from renting to owning—with support every step of the way.
A reverse mortgage lets homeowners 62 and older access their home equity without monthly mortgage payments. Use the funds to cover expenses, eliminate your mortgage, or even purchase a new home. At Everyday Lending, we help you or your loved ones explore reverse mortgage options with care, clarity, and a focus on financial freedom during retirement.
Ryan Marks, Senior Mortgage Planner at Everyday Lending, delivers expert home loan solutions with a focus on strategic guidance, personalized service, and long-term client success. Licensed in California, Minnesota, Wisconsin, and Iowa, Ryan brings a thoughtful, goal-oriented approach to every mortgage transaction.
Whether you’re a first-time homebuyer, looking to refinance, or planning your next real estate investment, Ryan Marks provides tailored mortgage options, competitive rates, and the trusted support you need to achieve your homeownership goals with clarity and confidence.
Licensed in CA, MN, WI, and IA
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
At Everyday Lending, we believe home financing should feel personal, not transactional. We take the time to understand your story, your goals, and your lifestyle—then match you with a mortgage that truly fits. Whether you’re navigating the homebuying process for the first time or refinancing for a better rate, you’ll get expert advice, flexible options, and everyday support that’s anything but ordinary.
We know home loans can feel overwhelming—but they don’t have to. At Everyday Lending, we’re here to make things simple. Explore our most common questions to get clear, straightforward answers about the mortgage process, loan options, and how we help you every step of the way.
A Conventional Loan is ideal for borrowers with strong credit and offers flexible terms with competitive rates. In contrast, an FHA Loan is backed by the government and designed for those with lower credit scores or smaller down payments, making homeownership more accessible.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!
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