Integrity Home Lending, LLC

Name: Integrity Home Lending, LLC
Address: 7185 Colfax Avenue, Cumming, GA, 30040, US
Telephone: +16786166024

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Integrity Home Lending, LLC

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Georgia-based mortgage lender offering DSCR, FHA, VA, and Conventional loans. NMLS #2412324 | ih-lending.com

We leverage 30+ wholesale lender relationships for wholesale rates without the bank markup. 25 years of experience | 5 stars on LendingTree. Integrity Home Lending, LLC
NMLS ID # 2142324
NMLS Consumer Access: https://www.nmlsconsumeraccess.org/

11/03/2026

People say: "You have to wait years before you can refinance your mortgage."

The reality: There's no universal waiting period that applies to every loan.

Some loan types do have a minimum seasoning period, meaning a set number of months before you can refinance. But it varies based on your loan program. Integrity Home Lending can help you understand what applies to your specific situation.

Curious where you stand? Message us to talk it through.

NMLS #2412324. Equal Housing Opportunity.

11/02/2026

Myth: Your lender tells you how much house you can buy.

Fact: Your lender tells you how much you qualify to borrow. That is not the same thing.

What you qualify for is a ceiling, not a recommendation. Your monthly budget, your lifestyle costs, and your savings goals all matter too. Use that pre-approval number as a starting point, not a finish line.

Save this and share it with someone who's about to start house hunting.

NMLS #2412324. Equal Housing Opportunity.

11/01/2026

Wire fraud is one of the most devastating things that can happen to a homebuyer. And it happens more often than most people realize.

Here's how it works. Scammers monitor real estate email chains, then send a fake message that looks like it's from your title company or loan officer. The message gives you new wiring instructions. You follow them. The money is gone.

The fix is simple but critical. Before you wire any funds, call your title company or loan officer directly using a number you already have, not one from the email. Verify every digit of the wiring instructions out loud.

No legitimate party will pressure you to send funds quickly without giving you time to confirm.

Save this before your closing day. It could protect everything you've worked for.

NMLS #2412324. Equal Housing Opportunity.

10/31/2026

Investment property financing keys off the same bond market as everything else, so this week's back-and-forth applies to DSCR pricing too. Rates eased early, then gave some of it back as the Fed stayed hawkish and the AI-driven bond rally faded. If a deal nearly penciled when pricing improved, it may be worth a second look now. DSCR loans qualify on the property's cash flow, for investment and business-purpose properties only.

Run the numbers on your next deal: 877-445-3631.

NMLS #2412324. Equal Housing Opportunity. DSCR loans are for business-purpose, investment properties only.

10/31/2026

Selling your home? Your mortgage doesn't just disappear on its own.

When you sell, the proceeds from the sale go toward paying off your remaining loan balance first. This is called a payoff. Whatever is left after that, and after closing costs, is yours to keep.

If you owe more than your home sells for, that's a different situation called a short sale. That requires lender approval and works differently.

Most sellers don't have to think about that. For most, it's simple: sell, pay off the loan, walk away with your equity.

Bookmark this for when you're ready to make your next move.

NMLS #2412324. Equal Housing Opportunity.

10/30/2026

The Fed held rates steady this week, so why did mortgage pricing tick up afterward? Because a pause with a hawkish tone and no forward guidance tells markets more hikes may still be coming. On top of that, the recent bond rally was powered by investors fleeing AI and tech into Treasuries. As that trade reversed, yields climbed back and mortgage pricing followed. Rates track the bond market, and the bond market was reacting to risk sentiment, not just the Fed.

Questions about your purchase or refinance timeline? Call 877-445-3631.

NMLS #2412324. Equal Housing Opportunity.

10/30/2026

Did you know you might be able to skip the home appraisal entirely?

An appraisal waiver is when a lender agrees to forgo the traditional in-person appraisal. Instead, they use existing data, like past sales and public records, to estimate the home's value.

Lenders sometimes offer this on refinances or conventional purchases when there's enough data on the property and your finances are strong. It can save you time and money on fees.

Not every home or loan type qualifies, and it's ultimately up to the lender and loan program. But if you're offered one, it's worth understanding what it means before you decide.

Bookmark this for when you're deep in the homebuying process. It'll make more sense then. 🏡

NMLS #2412324. Equal Housing Opportunity.

10/30/2026

Mortgage rates spent most of this week near their best levels in about a month, then drifted back up after the Fed. The FOMC paused but kept a tightening bias and offered no forward guidance, and a fading AI-driven bond rally pushed the 10-year Treasury yield back toward 5%. The earlier relief was a risk-off move, not a fundamental shift, which is exactly why it faded. Full breakdown of what moved and what could take it back is on the blog: https://www.ih-lending.com/weekly-rate-watch-hawkish-hold-pulls-rates-off-lows-2026-10-29/

Read the full week in review: https://www.ih-lending.com/weekly-rate-watch-hawkish-hold-pulls-rates-off-lows-2026-10-29/

NMLS #2412324. Equal Housing Opportunity.

10/29/2026

Your pre-approval has an expiration date. Most people don't find that out until it's already expired.

A pre-approval is a lender's review of your finances at a specific point in time. Your credit, income, and the market can all shift, so lenders typically set them to expire after 60 to 90 days.

If yours expires before you find a home, don't panic. Renewing it usually just means a quick update to your documents and a fresh credit check.

The move is to stay in touch with your loan officer throughout the search. That way, you're never caught off guard.

Has your pre-approval ever expired mid-search? What did you do?

NMLS #2412324. Equal Housing Opportunity.

Address

7185 Colfax Avenue
Cumming, GA
30040

Telephone

+16786166024

Website

http://ih-lending.com/

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