We did a refinance on our home, and James Abdallah was very professional, assisting us every step of the way with any information we needed and answering any questions that we had. The entire process was very fast and we felt very comfortable with how knowledgeable he was. He was easy to contact and available at all times for us. We ended up getting the deal that we wanted with a quick turnaround time. A special thanks to Lex and Sue as well for their help as part of the team! I highly recommend working with the Lit Financial team… Read more →
Home Loan Programs
Your home on your terms.
At LitFinancial you’ll find fast, personalized financing to match your homeownership goals. Our team of experts simplifies the complex and works tirelessly to find the right solution for you. To us it’s more than a transaction—it’s a relationship.
It's time to enlighten your loan.
No SSN required. Zero impact to credit.
Your information is never sold.
We provide clear mortgage solutions that fit your unique needs. Our goal is always to make you feel confident about your home loan decision and happy with your experience.
★★★★★Rated 4.9/5 stars
See What You Qualify For
Get a no-obligation online quote from our experts.
No SSN required. Zero impact to credit. Your information is never sold.
I want to buy a home.
Buying a new home is confusing and challenging. Let our team guide you every step of the way.
I want to refinance my home.
Lower your monthly payments by taking advantage of improving interest rates.
I want to cash out.
Renovating your home? Consolidating expensive debt? Let us bring you the best option.
Why choose LitFinancial?
Experience Matters
When it comes to loan officers, we are experienced experts and take pride in leveraging our knowledge to help you every step of the way.
Relentlessly Seeking Solutions
We are committed and passionate about helping borrowers find their best financial fit. We tap our trusted network to look at any and all options.
Advising You Like You’re Family
We are a mortgage partner that takes the time to listen to your needs and goals. We care about each client that tailor our advice for your best outcome.
We Are Your Advocate
Our loan officers are advocates throughout your lending journey. From finding the right mortgage plan, to proactively engaging with key stakeholders on your behalf.
Lit For Life
Our approach to advising is finding the best solution for each client’s life. We will also be there as your needs change through different life stages.
Leading the Industry
We are constantly modernizing lending models, streamlining treasury operations, and increasing transparency across mortgages. This allows us to bring innovative products and better service to you.
Tim Barry, CEO
“We make money make sense. Whether it's buying your first home or tapping into equity, we help clients find smart, stress-free mortgage solutions that fit.”
What Our Clients Are Saying
People like LitFinancial
When you love what you do, it shows.
Meet our ExpertsWe had an excellent experience working with Lit Financial from start to finish. The entire process was smooth, transparent, and far less stressful than we expected. A huge thank you to Billy Abdallah, for his leadership, responsiveness and hands-on approach, he truly sets the tone for a company that values integrity and client care. And Jennifer Kaddis, our loan officer, was outstanding. She was knowledgeable, responsive, and took the time to explain every step, making sure we felt confident and informed throughout the process. Lit Financial went above and beyond to make sure everything was handled efficiently and in our… Read more →
We were moving 1800 miles across country and worked with Chad Pounders at Lit Financial to broker our mortgage. As difficult as remote home buying can be, the financing was the least stressful by a wide margin and I credit that to Chad and his team at Lit. Communication was always quick and Chad showed a ton of patience as we worked through inventory with our realtor. Chad is knowledgeable and was open and honest about our options as we moved through the process. I highly recommend reaching out to Chad and his team at Lit if you are in… Read more →
The first call with Keefer was awesome and i immediately felt hopeful that i would get the house of my dreams. Keefer was professional, friendly and very supportive throughout the process. Tiffany and Rima came on board and did a fantastic job together with Keefer. Working with this team has been a great experience that i will never forget about. Keefer held my hand, always giving me updates and encouraged me to keep going and not lose hope, he guided me throughout the process . Rima, Tiffany and Keefer worked so hard for me to get the loan, I’m so… Read more →
"Emile took such wonderful care of us from beginning to end (and is still available for us). Emile focused on what my family needed and was able to comprehend and retain my information so I didn’t have to keep repeating myself. We successfully refinanced our home and got the $$ to buy a bus for our new school when nobody else would give us a chance! Her expertise with finances and mortgages saved me and set me back on what feels like the right path. Emile was never pushy and was always polite and kind. She, Maggie, and the rest… Read more →
Loan Programs
Home Loan Programs
We deliver clear mortgage scenarios that fit your unique needs. Nothing makes us happier than turning your dreams into reality.
Conventional Mortgages
Ideal for suitable clients looking to finance or refinance a traditional home with good credit and the means to offer a 3-20% down payment.
Home Equity Loans
Home equity loans allow homeowners to take the equity the have in their house and convert it into a cash loan that's paid back over time.
Jumbo Loans
Jumbo loans suit clients who are looking to purchase higher value homes that are outside of the price range covered by conventional mortgage loans.
Reverse Mortgages
Letting homeowners (62+) convert home equity into cash while keeping ownership. No repayment until you sell home, move, or pass away, making it a flexible financial tool for retirees needing extra income.
HomeDollar
HomeDollar allows borrowers to earn on the equity sitting in their home. Finally, homeowners can let their home pay them.
FHA Loans
Great for clients refinancing, or purchasing a home for the first time, who may not have the liquidity required for a large down payment or the backing of loans from private lenders.
DSCR Loans
DSCR Loans open doors to investment for commercial real estate investors, without having to tap into their personal credit.
VA Loans
VA Loans are meant to serve veterans, members of the armed services, and their families purchase or refinance a home easily and with fewer hurdles than a traditional loan.
Get started with our quote tools.
Whether you’re estimating your mortgage costs, seeking to simplify and save through debt consolidation, or aiming to explore and compare various loan options tailored to your needs, our intuitive tools are here to guide you every step of the way.
No SSN required. Zero impact to credit.
Your information is never sold.
Frequently Asked Questions
Let's help make things clearer.
It depends on your income, debts, credit, and down payment. A quick pre-approval can tell you your price range.
Your payment includes the loan, taxes, insurance, and possibly PMI or HOA fees. Your lender can show you an exact breakdown.
Many loans start around 580–620, but higher scores help you qualify more easily and get a better rate.
Some loans allow 3%–5% down, FHA allows 3.5%, and VA/USDA can be 0%. Putting 20% down helps you avoid PMI.
Each loan has different rules. FHA is flexible with credit, Conventional rewards strong credit, VA is for veterans, USDA is for rural areas, and Jumbo is for bigger loans.
Rates change daily and depend on your credit, loan type, and down payment. Your lender can give you a personalized quote.
Pre-approval is fast. A full mortgage usually takes about 30 days from start to finish.
Typically pay stubs, W-2s, tax returns (if needed), bank statements, and your ID.
Usually 2%–5% of the loan amount. Some can be rolled into the loan or covered by seller credits.
PMI is insurance for the lender when you put down less than 20%. You can remove it once you reach 20% equity.
An appraiser checks your home’s value. If it comes in low, you may need to renegotiate or adjust your loan.
You can refinance whenever you qualify, though some loan types require a short waiting period (often 6 months).
Big purchases or new debt can hurt your approval. It’s best not to open new accounts until after closing.
Yes—family can help with your down payment. You just need a simple gift letter.
It depends on your credit, income, location, and down payment. Your lender can match you to the best options.
You can “lock” your rate to protect it. Lock periods usually last 30–60 days.
FHA and VA usually require it. Conventional loans often give you a choice if you put enough down.
Pre-qualification is a quick estimate. Pre-approval is verified and much stronger when making an offer.
Lenders look at stable, consistent income. They may count overtime, bonuses, or self-employed income with proper documentation.
Yes, with enough credit, income, and savings. Down payments are usually higher than for primary homes.
For homeowners 62+, it lets you tap your home equity without monthly payments. The loan is repaid later when you move or sell.
Mortgage interest may be tax-deductible. Equity loan rules vary, so it’s smart to check with a tax professional.
You save interest, and most loans have no penalty. Even small extra payments help.
Fixed rates stay the same. Adjustable rates start lower but can change. It depends on how long you plan to stay in the home.
Common delays include missing documents, appraisal issues, slow title work, or big credit changes. Staying organized helps keep things on track.