We do mortgages differently to benefit you. At Defy Mortgage, we believe that lending opportunities should be available to the creators, the leaders and those who take risks. You aren’t less qualified for a loan simply because you have alternative assets or several streams of income.

We operate using only the safest and streamlined technology. Our innovative system opens purchase and refinance opportunities for those who are alternative asset heavy, with secure, efficient and personalized loan services.

Yes, we are. We work with our borrowers through the entire process to create a secure and consistent experience.

You can use Defy Mortgage to get a loan in Colorado, Florida, Oregon, Tennessee and Texas. We are quickly expanding to the other 50 states, so if you have questions or are curious about a mortgage loan outside of the above listed states, please contact us and we will be happy to assist you.

We currently offer both fixed (15 and 30 year) and adjustable rate mortgages for conventional, jumbo, HELOC and construction loans. We also offer FHA loans, and provide refinance and cash-out options.

A mortgage is a loan that you take out to purchase your home. Similar to buying a car, the mortgage amount you are able to obtain will depend on the value of the home as well as your own financial situation.

There are several mortgage options for first-time homebuyers or even returning homebuyers that allow you to put less money down. Other mortgage options could require more money down, but you have more flexibility on other things such as your credit profile. When you apply for a mortgage, your lender will typically review your application and discuss the best options available with you. If you are looking to purchase, get started here

Refinancing is the replacement of an existing mortgage with a new mortgage under a different term and interest rate. Refinancing is common when homeowners are looking to consolidate their debts, obtain a lower monthly mortgage payment and interest rate, adjust rates, set a shorter loan term, etc. If you are looking to purchase, get started here.