Business Details
Your Trusted Mortgage Partner in Florida
The Truth About Lending has established itself as a trusted authority in mortgage financing by prioritizing transparency and expertise. With over two decades of experience in the industry, our team combines deep knowledge of underwriting processes with a commitment to ethical lending practices. We specialize in navigating complex mortgage scenarios, including post-bankruptcy or foreclosure situations, and offer access to exclusive programs unavailable through traditional lenders.Our staff includes former loss mitigation underwriters, mortgage company owners, and licensed brokers dedicated to guiding clients through every step of the financing journey. We empower borrowers through education, providing clear insights into both the challenges and opportunities of the mortgage process. Our mission extends beyond transactionswe aim to build lasting relationships by delivering personalized solutions that align with each client's unique financial goals.
Services
Mortgage Loans
Refinancing Options
FHA Loans
VA Loans
Condo Financing
Highlights and features
- Our team includes former mortgage company owners and underwriters with 20+ years of experience
- We provide transparent guidance about both challenges and opportunities in the mortgage process
- Access to exclusive loan programs unavailable through traditional lenders
- Specialized expertise in post-bankruptcy, foreclosure, and short-sale scenarios
- Award-winning customer service with 100% client recommendation rate
Associations and certifications
- NMLS #1054357
- FL License: #MBR1395
What people say
Amazing team
Smooth experience
Professional guidance
Patient explanations
Stress-free process
Services
Mortgage Loans
Our mortgage loan services provide comprehensive financing solutions for first-time buyers and experienced homeowners. We offer personalized guidance through the entire loan process, from pre-approval to closing. Our team specializes in finding tailored solutions for complex financial situations, including post-bankruptcy or foreclosure scenarios.
Refinancing Options
We help homeowners reduce monthly payments, shorten loan terms, or access equity through strategic refinancing. Our experts analyze current market conditions and individual financial profiles to determine optimal refinancing opportunities. We specialize in handling challenging cases with transparent, customized solutions.
FHA Loans
Our FHA loan program provides accessible financing options with lower down payment requirements. We guide borrowers through the qualification process, explaining both the benefits and limitations of government-backed loans. Our team ensures clients understand all aspects of FHA mortgage insurance requirements.
VA Loans
We specialize in VA loan programs for eligible military personnel and veterans. Our experts help clients navigate the unique benefits and requirements of VA financing, including entitlement verification and certificate of eligibility processing. We provide clear explanations of funding fee options and exemptions.
Condo Financing
Our condo financing solutions address the unique challenges of condominium purchases. We maintain updated knowledge of Fannie Mae and FHA condo approval requirements. Our team assists with navigating special assessments, HOA documentation, and complex underwriting guidelines specific to condo properties.
People
Melinda Payan
President
Melinda Payan brings over 20 years of mortgage industry experience as a former company owner and active loan officer. She specializes in complex loan scenarios and has developed innovative solutions for borrowers with unique financial situations.
Ivonne Heredia
Loan Originator
Ivonne Heredia combines technical expertise with personalized service as a dedicated loan originator. She guides clients through the mortgage process with clear communication and attention to detail, ensuring smooth transactions from application to closing.
Clara Arango
Loan Originator
Clara Arango specializes in helping first-time homebuyers navigate the mortgage process. She provides multilingual support and financial education to empower clients in making informed decisions about their home financing options.
Stephanie Oberstein
Loan Originator
Stephanie Oberstein offers personalized mortgage solutions with a focus on exceptional customer service. She maintains strong relationships with industry professionals to facilitate smooth transactions and address client needs efficiently.
Chad Scott
Director of Loan Originations
Chad Scott leads our loan origination team with extensive industry knowledge and a commitment to ethical lending practices. He develops strategic solutions for complex financing scenarios while maintaining a client-centered approach.
Questions
What mortgage programs do you offer?
We offer conventional, FHA, VA, USDA, jumbo loans, and specialized programs for post-bankruptcy or foreclosure scenarios.
Do you work with first-time homebuyers?
Yes, we specialize in guiding first-time buyers through the mortgage process with educational resources and tailored financing options.
Can you help with difficult mortgage situations?
Our team excels at finding solutions for complex cases, including bankruptcy, foreclosure, or short sale histories.
What documentation is needed for a mortgage application?
Typical requirements include income verification, tax returns, bank statements, and property-related documents, which we'll detail during your consultation.
How does your mortgage process work?
We guide clients through 10 steps from application to closing, providing clear explanations and personalized support at every stage.
Do you offer mortgage education resources?
Yes, we provide educational videos and personalized guidance to help clients understand all aspects of the mortgage process.
Videos