Integrity Home Lending

Integrity Home Lending Reviews

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Edited by: Matt Zane

About Integrity Home Lending

Integrity Home Lending provides purchase loans to borrowers and refinancing options to existing homeowners in 10 states. Loan types include conventional, jumbo, federally-backed (VA and FHA) and non-QM. The company is based in Cumming, Georgia and primarily serves customers in the Southeastern United States.

Pros
  • Several loan options
  • Online prequalification process
Cons
  • Limited information on rates and fees

What is Integrity Home Lending?

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

Integrity Home Lending application process

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 and 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

Integrity Home Lending rates

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 the federal funds rates. In general, borrowers with a credit score above 620 will find the lowest rate with a conventional loan. For government-backed mortgages, Veterans Affairs (VA) loans tend to offer the lowest rates.

Integrity Home Lending loan types

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

  • Conventional: The most common loan type, typically available to borrowers with a credit score of at least 620.
  • FHA: A government-backed loan insured by the Federal Housing Administration. Available as a fixed-rate loan with a minimum credit score of 580.
  • VA: A government-backed loan insured by the Department of Veterans Affairs. Qualified borrowers can choose from a 30-, 25-, 20- or 15-year fixed-rate loan or a 5-year adjustable-rate mortgage (ARM) with a low to zero percent down payment.
  • Jumbo: Jumbo loans exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA), which in 2025 are set at $806,500 for most areas.
  • Non-qualified mortgage (non-QM): These are loans for nontraditional borrowers, like those whose income comes from self-employment.

Integrity Home Lending requirements

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 (LTV)
  • Debt-to-income ratio (DTI)
  • Down payment amount
  • Loan amount
  • Mortgage type

Integrity Home Lending cost and fees

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

Integrity Home Lending FAQ

How does Integrity Home Lending work?

Integrity Home Lending can assist home buyers with purchase loans and existing homeowners with refinancing options. Interested consumers can call the company directly or fill out the online form to begin the prequalification process.

Is Integrity Home Lending legit?

Yes, Integrity Home Lending is a legitimate company that’s fully licensed in 10 U.S. states.

Where is Integrity Home Lending available?

Integrity Home Lending products are available in 10 states: Alabama, Florida, Georgia, Maryland, Mississippi, North Carolina, Pennsylvania, South Carolina, Tennessee and Virginia.

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Integrity Home Lending Company Information

Company Name:
Integrity Home Lending
Address:
7185 Colfax Ave., Ste. 100
City:
Cumming
State/Province:
GA
Postal Code:
30040
Country:
United States
Website:
www.ih-lending.com