Lendz Case Studies
Real-world lending success stories from our clients, highlighting the strategies, programs, and partnerships that help brokers get loans across the finish line.
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9-Day CTC: Helping an Experienced Investor Close Quickly on a Unique Property
After a previous lender increased closing costs by $17,000 late in the process, Tiziana Mauriello of J&J Worldwide Financial Services needed a lending partner who could deliver transparency, speed, and confidence for an experienced investor purchasing a unique primary residence. Lendz structured the $800K loan upfront, provided clear expectations from day one, and helped the file move smoothly through underwriting with zero delays.
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14-Day CTC: Saving a $1M+ Purchase Loan with 85% LTV Jumbo Financing
Select Home Lending helped save a $1M+ purchase loan after two non-QM lenders could not move the file forward due to reserve requirements. With the closing deadline approaching, Lendz stepped in with an 85% LTV Jumbo program requiring only three months of reserves instead of six. The file was transferred, a new appraisal was ordered, and the loan reached Clear to Close in just 14 days, helping the borrower keep the purchase on track.
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7-Day CTC: Closing a Time-Sensitive 1031 Exchange Purchase with DSCR
When a 1031 exchange purchase came down to the wire, Central Lending needed a DSCR partner who could move quickly and handle a unique property structure: two buildings on one parcel. Lendz stepped in with a flexible DSCR solution, fast answers, and clear communication from day one.
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7-Day CTC: Saving a Deal with Complicated Income
Clayton Mortgage helped save a challenging loan scenario after a borrower’s complicated income structure failed to meet conforming guidelines. By working with Lendz Account Executive Justin Smith, Austin Clayton found a fast alternative through a DSCR<1 program. The file achieved clear to close in just 7 days with zero delays, helping the borrower move forward and reinforcing Clayton Mortgage’s trust in Lendz as a reliable lending partner.
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7-Day CTC That Turned a Stalled Deal Into a Win
Tidal Mortgage Group turned to Lendz when a delayed loan was on the verge of falling apart. In just 7 days, Lendz helped clear the file to close, accepted the transferred appraisal with no added delays, and delivered an on-time closing that not only saved the deal, but also earned repeat referrals and a long-term non-QM partnership.
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Beating the Clock: 11-Day CTC on a Tough DSCR Deal
When a longtime client faced a hard money balloon payment and needed a fast refinance, Jon Lewandowski of Ahnee Mortgage had limited options. With a DSCR ratio below 1 and the deadline quickly approaching, many lenders passed on the deal. Lendz stepped in with a DSCR <1 solution, accepted the transferred appraisal, and kept the file moving without delays. The result was an 11-day clear to close, a 100% on-time closing, and a borrower who avoided a costly outcome.
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Second-Home in the Florida Keys, Approved When Everyone Else Said No
When a Florida Keys property was labeled as an investment instead of a second home, most lenders said no. Lendz said yes. In this case study, see how Lendz helped South Florida Lending Consultants secure a true second-home approval using a bank statement program with no tax returns required, minimal down payment, and a smooth close that led to multiple follow-on loans.
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5-Day CTC on a High LTV Cash-Out: Won on Speed and Program Fit
When a high-LTV cash-out refinance collided with a recent property listing, options were limited and time was tight. New Tech Mortgage Corp. partnered with Lendz to navigate program restrictions, deliver competitive pricing, and clear the loan in just five days - unlocking equity in time for the borrower’s next investment and proving that speed and flexibility still win tough deals.
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$700K Funded After a Bank Decline: Saved on Program Fit
When a Texas cash-out refinance was declined by a bank due to program and property restrictions, AMP Mortgage turned to Lendz for a smarter solution. By shifting the file from a P&L structure into a bank statement program that aligned with the borrower’s real income and existing seasoning, the deal moved forward without delays.
