How Lendtrain works

Learn the details behind our revolutionary new refinance process.

Our 3-step process

Answer a few quick questions to see what your rate could be

A fast process for us equals a low rate for you. To be eligible, your employer must be signed up with an approved vendor for instant employment verification (common for many employers).

See the full list of eligibility criteria:
  • 700+ credit score;
  • 20% or more equity;
  • Employed by one of 100,000+ employers that verifies income digitally.

Finish your application with some basic details, we take care of the rest

Once you know you’re eligible to apply and you want to move forward and refinance at the new estimated rate we’ve presented you with, then it’s time to finish your application. Provide some basic details and we’ll take it from there.

Experience the world’s first truly digital mortgage process

We’ll verify your income, employment, and assets instantly during the application process. No more searching for tax returns or bank statements!

We’re committed to fixing mortgages

Experienced mortgage lenders

Our team has collectively originated over half a billion dollars in mortgages, so we know a thing or two about loans.

Innovative process

Our goal was to offer the first truly digital, fast and transparent mortgage process. Nobody would help us, so we built our own system from the ground up.

Specialization and focus

We’re hyperfocused on helping highly qualified homeowners refinance.

Why do we focus on refinancing?

That’s easy! Conventional refinances are the easiest loans to digitize, so we started here. We believe people should be able to quickly refinance their mortgages without having to deal with pushy salespeople and tons of paperwork.

More to come

One by one, we’ll be mastering other types of mortgages and optimizing the process for each one, so be sure to follow our journey. Sign up to be notified of new offerings.

Work with Lendtrain to refi your mortgage

Easy application

No need to upload a million documents. We just need verified income and a few basic details.

Quick approval

We’ll have your approval ready in days, not months. And during that time, there are no phone calls or back-and-forth emails required.

Incredible rate

And during that time, there are no phone calls or back-and-forth emails required.

“The whole team at Lendtrain made my refinance process as easy as possible. I look forward to working with them again in the future.”

How Lendtrain Works

Learn the details behind our revolutionary new refinance process. Answer a few quick questions to begin.