Defy the Traditional
YOU do things differently and so do WE. Refinancing? Great. Purchasing? Awesome.
We rise above the mortgage maze with flexible non-QM loan options tailored to meet your needs. (however unique they are)
Your home loan search has ended.
As seen in
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Simple Loan Process
Home loan options to meet your unique needs – this ain’t rocket science. No obligations, No hidden fees.
More Home Loan Options
Not a clock puncher? Maybe you’re a real estate investor? Perfect, we’ve got all the Non-QM loan options for you.
Get Certainty Faster
Stop fooling around – we’ve got you and fast. Reliable pre-approvals are kind of our thing.
Ask the Magic Defy Ball
Hello
If you know, you know
We’re just that good
Time to own some investment properties
Debt Service Coverage Ratio loan. This is a loan for you real estate investors. Jump on the train. Oh, and no tax returns needed.
uhh...
…you focus on the why, we’ll focus on the how.
A home loan with us 🙂
We got you. We’ll look at the whole picture – your financial situation, long-term goals, and risk tolerance – to determine the best loan option.
Ever heard of passive income?
😉
Absolutely!
Cheeseburger, without a doubt
(& get me one please!)
Judgment free zone here (and please get me one I’m absolutely starving)
Still here and haven’t connected? You can only lead a horse to water…
Home Affordability Calculator: Ready to see how much house you can realistically afford?
Disclaimers:
The home affordability calculator is intended to be used for educational purposes only. Actual available rates and monthly payment amounts are subject to market fluctuations and other factors. What you can afford depends on many factors, including your total monthly payment, income, debt obligations, creditworthiness, down payment amount and other factors your lender may consider. Calculator results do not reflect all loan types and are subject to individual program loan limits.
Contact us today to understand your lending options and apply.
Want a quote ASAP? Give us a ring:
Defy Mortgage FAQs
What is Defy Mortgage's phone number?
(615) 622-1032. Feel free to give us a ring to chat about loan options, get a quote, discuss our rates, talk about your future plans, tell us about the trip you want to go on... all the things.
How can I get pre-approved quickly for a home loan with Defy Mortgage?
Let us make it easy for you. Just answer of a few of the questions by following THIS LINK on our Get a Quote page, and one of our expert Mortgage Consultants will get back to you approximately within 2 hours.
How can I schedule an appointment with Defy Mortgage?
You can schedule an appointment with a Mortgage Consultant at Defy Mortgage HERE. All you need to do is take a few moments to answer a few questions and one of our expert Mortgage Consultants will get back to you shortly to schedule an appointment! It's that easy.
How can I contact Defy Mortgage to learn about my lending options?
Ready to see what you actually qualify for or learn more about your lending options? CLICK HERE. Just answer a few quick questions and a Mortgage Consultant who knows their stuff will hit you back with real options. While you're waiting, dive into our non-QM page if traditional lending isn't your vibe, or check out our blog for even more insights.
Can I contact Defy Mortgage without answering questions about my loan needs?
100%. Drop us a line at (615) 622-1032 or feel free to send us a quick love note on our Contact Us page.
Are there customer reviews for Defy Mortgage?
Absolutely. See why we get almost 5-stars on Google by visiting our Review Page.
What do clients say about the service at Defy Mortgage?
Dedicated, reliable, patient, professional and trust-worthy. See for yourself:
- "What stood out the most was how responsive and proactive they were. Anytime I needed clarification or guidance, the Defy Mortgage team was quick to provide solutions and kept me updated throughout. They genuinely cared about helping me achieve my financing goals."
- "From start to finish, the team at Defy was professional, patient, and extremely knowledgeable."
- "Defy Mortgage made the loan process completely stress-free. Total smooth home loan experience."
- "No matter the issue, Defy was there to make it all work together smoothly."
- "Defy's dedication and support truly sets them apart."
- "Professional, communicative, and always quick to respond to our emails."
- "Extremely helpful and patient. They walked me through the process from beginning to end without a flaw."
- "The process was super easy, the information and instructions were clear and accurate, they are great to work with and we closed on time."
- "Defy Mortgage walked me through all the steps and everything required of me and even regularly called me just to ask if I had any questions and update me!"
Does Defy Mortgage specialize in non-QM loans?
If we had a middle name it would be non-QM. Real estate investors who strike while others hesitate. Self-employed grinders who built their own empire. High earners with income that doesn't fit in a box. If the banks turned you down for being "too complicated," you just found your people. We don't do cookie-cutter. We do deals others won't touch. Non-QM lending isn't just what we offer—it's how we dominate. Learn more about our non-QM loans.
What states does Defy Mortgage lend in?
The West Coast
- California: All Non-QM loans
- Colorado: All Non-QM loans
- Montana: DSCR loans only
- New Mexico: DSCR loans only
- Washington: DSCR loans only
- Hawaii: DSCR loans only
- Wyoming: DSCR loans only
The South
- Alabama: All Non-QM loans
- Arkansas: DSCR loans only
- Florida: All Non-QM loans
- Georgia: All Non-QM loans
- Kentucky: DSCR loans only
- Louisiana: DSCR loans only
- Mississippi: DSCR loans only
- North Carolina: DSCR loans only
- South Carolina: DSCR loans only
- Oklahoma: DSCR loans only
- Tennessee: All Non-QM loans
- Texas: All Non-QM loans
The Midwest
- Illinois: DSCR loans only
- Indiana: DSCR loans only
- Iowa: DSCR loans only
- Kansas: DSCR loans only
- Missouri: DSCR loans only
- Nebraska: DSCR loans only
- Ohio: DSCR loans only
- Wisconsin: DSCR loans only
The East
- Connecticut: DSCR loans only
- Delaware: DSCR loans only
- Maine: DSCR loans only
- Maryland: DSCR loans only
- Massachusetts: DSCR loans only
- New Hampshire: DSCR loans only
- New York: DSCR loans only
- Pennsylvania: DSCR loans only
- Rhode Island: DSCR loans only
What are the current mortgage rates at Defy Mortgage?
Mortgage rates vary depending upon loan type, LTV, FICO and a variety of other factors. For exact loan terms and interest rates, call us us at (615) 622-1032.
Does Defy Mortgage offer DSCR loans?
Yes! Check out our DSCR loan page for more information, or give us a ring at (615) 622-1032.
Does Defy Mortgage have a Wholesale Business?
We do! If you’re a mortgage broker, Defy TPO gives you access to flexible loan products, including DSCR, bank statement, and equity programs. With Defy TPO, you can serve more investors, tap into the booming non-QM market, and bring your clients the creative financing solutions most lenders simply can’t offer. Want to know more about how you can dominate the market with Defy TPO? Send us the scenarios you’re having trouble with, and we’ll show you how we build solutions that work over the long term.
