Integrity Home Lending Reviews

Integrity Home Lending is a mortgage broker that was established in August 2022 and primarily serves homebuyers and homeowners in the Southeastern United States. The company is based in Georgia and is a licensed lender in the following states:

• Alabama
• Florida
• Georgia
• Maryland
• Mississippi
• North Carolina
• Pennsylvania
• South Carolina
• Tennessee
• Virginia

Interested borrowers can get prequalified for a loan online by visiting the company’s website and clicking on the “Your Credit Score” button. You’ll then enter your name, address, contact information, date of birth and Social Security number. After that, the company will perform a soft credit check.

For more information on the entire loan process, customers should contact the company directly.

Integrity Home Lending application features

Rates are not published on Integrity Home Lending’s website and will vary based on the borrower’s qualifications, the type of loan they’re seeking and changes in the federal funds rate. In general, borrowers with a credit score above 620 will find the lowest rate with a conventional loan. For government-backed mortgages, VA loans tend to offer the lowest rates.

Integrity Home Lending can assist with several purchase and refinance loan types, including:

• Adjustable-rate mortgage (ARM): Loans that start with a low fixed rate for one to 10 years, then adjust annually or every six months, with a lifetime cap on rate increases
• Conventional: The most common loan type, typically available to borrowers with a credit score of at least 620
• FHA: Government-backed loans insured by the FHA, available as fixed-rate with a minimum credit score of 580
• VA: Government-backed loans insured by the Department of Veterans Affairs, available as fixed- or adjustable-rate loans with low to zero down payment
• Jumbo: Loans that exceed conforming loan limits, set at $806,500 for most areas in 2025
• Nonqualified mortgage: Loans for nontraditional borrowers, such as self-employed individuals

Borrower requirements will vary by loan type, and there are several factors lenders look at when evaluating a potential borrower:

• Credit score
• Credit history
• Loan-to-value ratio
• Debt-to-income ratio
• Down payment amount
• Loan amount
• Mortgage type

The costs and fees for Integrity Home Lending mortgages aren’t listed online. Typical costs include origination, application fees, underwriting, appraisal fees, titling and taxes.