Fancy seeing you here
Welcome to Defy Mortgage, your non-traditional lending partner with solutions designed to meet your unique needs. See what we’re about!
We're bringing some bold, innovative energy to the mortgage game.
Our goal is simple: to provide you with a secure, streamlined, and personalized lending experience tailored to your specific needs. We’re talking efficient processes but without any of the impersonal fluff that gives large lenders a bad rep. We’re here to set new standards in the industry.
We take a full 360-degree look at your unique finances, goals, and background. Not just judging you by some standard checklist. We factor in all aspects to craft mortgage options that actually fit your lifestyle. Ditch those preconceived mortgage notions and antiquated processes – Defy the traditional.
What makes us, us
The real estate investors and self-employed borrowers of today need OPTIONS.
And that’s how Defy Mortgage came to be. Options and choice shouldn’t be luxuries in lending, but somewhere along the way, they became exactly that.
We launched Defy Mortgage after watching qualified borrowers get sidelined by rigid guidelines and institutional red tape. Investors, entrepreneurs, and self-made earners were told “no” not because they actually lacked income, but because they didn’t fit a template built decades ago. Inside the big banks, it was clear: the system wasn’t broken for everyone—just for the people building the future.
So we didn’t wait for permission to change it. We built a lending model that challenges convention, prioritizes real-world financial profiles, and puts leverage back where it belongs—with the borrower. Thousands served later, we’re not just participating in the industry. We’re redefining it.
You defy the traditional and
so do we.
Get to know our team with over 100 years of combined industry experience.
Have questions about stuff? We have answers.
Yes, and we understand why that question matters.
At Defy Mortgage, trust isn’t a tagline, it’s the foundation of how we operate. We specialize in serving real estate investors and self-employed borrowers who are often overlooked by traditional lenders, which makes transparency and consistency even more important.
We are clear about costs, timelines, and qualification standards from the outset. No surprises. No last-minute shifts. Just straightforward communication and execution.
With a 4.8-star rating on Google and more than 1,000 investors and business owners successfully funded, our track record reflects our commitment to delivering on what we promise.
Defy Mortgage is licensed in the following states for all loan options: AL, CA, CO, FL, GA, TN, TX Here is a breakdown of all the states we 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
Yes, you will. Our Defy Mortgage loan team will be accessible to you throughout your entire purchase or refinance process. Your point of contact will be established after your application has been submitted and reviewed.
Well, perhaps, but only if you promise to put a popcorn machine down there. Oooo and mini fridge if possible!
To qualify for a conventional loan with Defy Mortgage, you will need a credit score of 620 or higher. The minimum credit score to be eligible for a jumbo loan is 700. If you have a lower credit score than 620, we offer Non-QM mortgage solutions designed for unique borrower profiles. Please be sure to discuss your options with your Defy team point of contact.
A proposal! Congratulations! We love love! I mean, that’s one way to get the cash you need.
Time to read some articles about non-QM! In the meantime, a non-QM is what we specialize in. It’s a type of flexible loan that doesn’t conform to the lending criteria set by the Consumer Financial Protection Bureau (CFPB). Great for investors, foreign nationals, business owners, freelancers etc.
