National residential lender PrimeLending, a PlainsCapital Company, now offers Loan LIft, a mortgage underwriting process that helps ensure borrowers’ positive financial behaviors, such as consistent rent payments, are captured during credit eligibility assessment, potentially resulting in better loan terms and more lending options.

How does Loan Lift work? Through our unique service model that combines innovative technology, a wide range of options, including 400-plus mortgage progams, and experienced mortgage experts who know how to get to “yes.”

• Comprehensive Data Collection – Our process gathers a borrower’s assets, income, and employment history, as well as documents rent payments, shared bill payments and positive cash flow activities, such as Venmo or Zelle transactions, not always captured by standard underwriting systems.
• Digital Verification – We work with PointServ, our secure third-party provider, to digitally document and verify transactions and personal financial history within minutes.
• Customer-focused Service Philosophy – Our mortgage professionals have the skills, expertise and commitment to assess each borrowers unique circumstances and find a wider range of possible home financing solutions.

“Today’s borrowers don’t fit in a one-size-fits-all mortgage,” said Tim Elkins, PrimeLending’s Chief Production Officer. “With Loan Lift we can offer our customers more options and more expertise when financing a home. It’s just one more example of how the customer always comes first at PrimeLending.”

About PrimeLending

Whether looking to buy, refinance, renovate or build a home, the PrimeLending team works alongside our customers in all 50 states. PrimeLending’s customer-centric approach blends unmatched mortgage expertise, product choice and digital convenience to deliver a rewarding homebuying experience. Delivering on this promise since 1986, PrimeLending is proud to consistently earn a 96% customer satisfaction rating¹. PrimeLending is a wholly owned subsidiary of PlainsCapital Bank, which in turn is a wholly owned subsidiary of Hilltop Holdings Inc. (NYSE: HTH). More information at PrimeLending.com.

¹Survey administered and managed by an independent third party following loan closing. 96% satisfaction rating refers to the rating our customers give our loan officers. PrimeLending received an overall 96% Customer Satisfaction Rating for the period 1/1/23-12/31/23.

All loans subject to credit approval. Rates and fees subject to change.

©2024 PrimeLending, a PlainsCapital Company (PrimeLending). (NMLS: 13649) Equal Housing Lender.

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