ROOTED IN WISDOM. DRIVEN BY PURPOSE.

Boutique Mortgage Lending

RESIDENTIAL - FLORIDA & TEXAS

The right loan
for every stage
of life.

COMmERCIAL - ALL 50 STATES

Rooted in Wisdom. Driven by Purpose.

$2B+

Loans Closed

98%

Client Satisfaction

15

Day Avg. Close

States — Commercial

50

Residential Lending

For the homebuyer who's ready to get it right.

Licensed in Florida & Texas

First-Time Buyer Loans

FHA, conventional, and down payment assistance programs for FL & TX buyers entering the market for the first time.

Refinance

Rate-and-term or cash-out refinance — we shop the market so you don't have to.

VA Loans

Zero down, no PMI, and the most competitive rates available for veterans and active-duty military.

Jumbo Loans

High-value property financing above conforming limits, with boutique-level service from start to close.

COMMERCIAl Lending

For the investor building something that lasts.

AVAILABLE IN ALL 50 STATES

DSCR Loans

Qualify on the property's rental income — no W-2, no tax returns. Built for self-employed investors and portfolio builders.

Multi-Family & Commercial RE

5+ unit apartments, office, retail, mixed-use, and industrial — underwritten on NOI, nationwide.

Bridge & Fix-And-Flip

Close in 5–10 days. ARV-based. Interest-only during rehab. Designed for investors who move fast

Portfolio Loans

Bundle multiple properties under one loan. Simplify your debt structure and scale without limits.

Free Resources

Two guides. Zero fluff.

Written in plain English for buyers and investors. Enter your name and email to download yours free.

First-Time Buyers · Florida & Texas

The First-Time Home Buyer's Guide to Getting it Right

Credit scores, down payment programs, loan types, closing costs, and a full step-by-step timeline — everything you need before you apply.

FL & TX down payment assistance programs

FHA vs. Conventional vs. VA comparison

Full closing cost breakdown

Step-by-step timeline to closing

Glossary of mortgage terms

Investors · All 50 States

The Investor's Guide to Smart Real Estate Financing

DSCR loans, deal analysis, LLC structuring, multi-family strategies, and how to scale from your first door to a full portfolio.

DSCR loan qualification explained

Cap rate, NOI, and cash-on-cash formulas

LLC & entity structuring tips

Scaling past 10 properties

Bridge, BRRRR, and portfolio strategies

How It Works

Simple from start to keys.

Four steps. No surprises. Clear communication at every stage.

1

Apply in Minutes

Quick online application. Soft credit pull only — no impact on your score at this stage.

2

Get Pre-Qualified

Same-day decision in most cases. Know your number before you fall in love with a property.

3

Lock Your Rate

We shop the market on your behalf to secure the most competitive terms available.

4

Close with Confidence

We handle every detail. You sign and celebrate — the way it should feel.

What Clients Say

Words we didn't write ourselves.

★★★★★

As a first-time buyer in Tampa, I was completely overwhelmed. The Right Lending made every single step feel manageable. We closed in 14 days and I never felt like just a file number.

Maria T. — Tampa, FL

★★★★★

I've financed six investment properties through different lenders over the years. The DSCR product here is the cleanest I've found — fast, no tax return headaches, and their commercial team actually understands investor math.

James K. — Portfolio Investor, Orlando FL

★★★★★

First home in Austin. I had so many questions and not one of them was treated as dumb. They found me a Texas assistance program I didn't even know existed and saved me thousands at the closing table.

David R. — Austin, TX

Who We Are

A boutique mortgage firm built on something the industry forgot.

The Right Lending was founded on the belief that every borrower — whether buying their first home in Florida or managing a commercial portfolio across fifteen states — deserves a lending partner who is genuinely on their side.

We're not a bank. We're not a rate-shopping platform. We are a boutique team that brings senior-level expertise, a deep product suite, and unhurried attention to every single transaction we touch.

Rooted in
Wisdom.
Driven by
Purpose.

NMLS #000000  ·  Equal Housing Lender
Residential licensed in Florida & Texas
Commercial lending in all 50 states
[email protected]

Frequently Asked

Questions worth answering honestly.

What credit score do I need to buy a home?

FHA loans accept credit scores as low as 580 with 3.5% down. Conventional loans typically require 620 or higher. VA loans have no official minimum, though most lenders set a benchmark around 580–620. We'll tell you honestly where you stand and what options you have — including whether it's worth waiting 60–90 days to improve your score first.

How much do I really need to put down?

Far less than most people think. Conventional loans can start at 3–5% down. FHA requires 3.5% with a 580+ score. VA and USDA loans require zero down for qualifying borrowers. Florida and Texas also have assistance programs that can cover part or all of your down payment requirement — we'll run a personalized check at no cost.

Can I buy an investment property in my LLC?

Yes. Our DSCR and commercial loan products are fully compatible with LLC ownership, which is how most experienced investors structure their acquisitions for liability protection and cleaner financial records. We'll walk you through any documentation requirements specific to your entity type

What are closing costs and how much should I budget?

Closing costs typically range from 2–5% of the purchase price and cover origination fees, appraisal, title insurance, escrow setup, and prepaid items. We'll provide a detailed Loan Estimate within three business days of your application so there are never surprises at the closing table.

What is a DSCR loan and do I qualify?

DSCR (Debt Service Coverage Ratio) loans qualify you based on a property's rental income rather than your personal income or employment. If the property's monthly rent covers the projected mortgage payment (PITIA), you may qualify — regardless of how your tax returns look. We offer DSCR in all 50 states with no income documentation required.

How fast can you close?

Our average residential close is 15 days. For commercial bridge and DSCR loans, we can often close in 8–10 business days for well-documented files. Speed depends on appraisal scheduling, title work, and how quickly documentation comes in — we'll set an honest timeline at the start and stick to it.

Do you lend outside of Florida and Texas?

Our residential loans are currently licensed in Florida and Texas. Our commercial and investment lending — including DSCR, bridge, multi-family, and portfolio loans — is available in all 50 states. If you have a residential need outside FL or TX, reach out and we'll refer you to a trusted partner.

What's the difference between pre-qualification and pre-approval?

Pre-qualification is a quick estimate based on self-reported information — useful for budgeting but carries limited weight with sellers. Pre-approval is a verified commitment based on documented financials and a credit review. In competitive Florida and Texas markets, sellers typically won't take an offer seriously without a full pre-approval letter attached.

Ready to get it right?

No pressure. No scripts. Just an honest conversation about what's possible for you.

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The Right Lending

Rooted in Wisdom. Driven by Purpose.

Boutique mortgage lending. Residential in Florida and Texas. Commercial nationwide in all 50 states. NMLS #000000.

© 2026 The Right Lending LLC  ·  NMLS #000000  ·  Equal Housing Lender
Residential mortgage lending licensed in Florida and Texas. Commercial lending available in all 50 states.
This is not a commitment to lend. All loans subject to credit approval. [email protected]