Urban Lending

Mortgage Lender serving Houston, TX

About Urban Lending

Urban Living Home Loans, established in 2005 and based in Los Angeles, California, has consistently ranked as a top direct lender dedicated to empowering individuals and families in their homeownership journeys. With over $10 billion in funded mortgages, the company prides itself on offering a diverse product portfolio tailored to meet a wide range of financial needs and goals.

This lender distinguishes itself through a commitment to personalized service, ensuring each client receives expert guidance from a team of over 200 dedicated professionals. They combine an intuitive online application process with secure digital document upload and real-time status updates, streamlining the lending experience for borrowers across 40 states. Their focus extends to supporting first-time homebuyers, self-employed individuals, and those seeking flexible financing solutions.

Urban Living Home Loans is also deeply committed to community engagement and transparent practices, evident in their excellent customer satisfaction ratings and an A+ rating with the Better Business Bureau. Their advanced digital tools, including rate calculators and pre-qualification tools, further enhance their service, making the mortgage process clear and accessible for all borrowers.

Company Information

Founded: 2005
Team Size: over 200
Lender Type: Direct Lender
Headquarters: Los Angeles, CA
Total Loans Originated: over $10 billion

Certifications & Credentials

FHA ApprovedVA ApprovedUSDA Approved

Digital Capabilities

Online Application
Digital Document Upload
Real-Time Status Updates
E-Signature
Rate Calculator
Pre-Qualification Tool

Home Loan Products

Conventional Loans

Loan Types:
Conventional
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Available Terms:
15 years20 years25 years30 years
Credit Tiers:
Good (680-739)Excellent (740+)
3%
Min Down Payment
620
Min Credit Score

Government-Backed Loans (FHA, VA, USDA)

Loan Types:
FHAVAUSDA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetired
Income Verification:
Full Documentation
Special Programs:
First-Time Homebuyer
Available Terms:
30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
0

Jumbo Loans

Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoVacation/Second HomeInvestment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-EmployedBusiness OwnerInvestor
Income Verification:
Full Documentation
Credit Tiers:
Good (680-739)Excellent (740+)
700
Min Credit Score

Non-QM & Bank Statement Loans

Loan Types:
Non-QMBank Statement
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeInvestment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
Self-EmployedBusiness Owner
Income Verification:
Bank StatementAsset Depletion
Special Programs:
Self-Employed ProgramBank Statement Program
Available Terms:
30 years
Credit Tiers:
Good (680-739)Excellent (740+)
85%
Max LTV
660
Min Credit Score

Refinance Options

Loan Types:
RefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-op
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Good (680-739)Excellent (740+)

Contact Information

Professional Licenses

NMLS ID: 123456
5021 Washington Ave
Houston, TX 77007
US

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Business Information

Category: Mortgage Lender
Location: Houston, TX
Status: Standard
Founded: 2005
Type: Direct Lender
NMLS ID: 123456
Loans Originated: over $10 billion
Profile Views: 19

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