Caleb Hayes
Senior Loan Advisor | NMLS #640443
Ph: (813) 444-9610
Direct: (813) 586-3169
Clearwater, FL
Email
Caleb Hayes
Senior Loan Advisor | NMLS #640443
Ph: (813) 444-9610
Direct: (813) 586-3169
Clearwater, FL
Email
The Right Mortgage, Made Simple
At Legend Lending Corporation, we recognize that every mortgage need is unique. That’s why we provide a wide range of tailored home financing solutions for residential properties.
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Begin your home loan process today!
Mortgage Calculator
Estimate your payments and find the best loan options for your budget.
Essential Documents for Your Mortgage
Helping you prepare for the home buying process!
Typical Loan Process
Preparing you for a smooth home buying journey!
At Legend Lending Corporation, we offer a wide range of mortgage solutions to help you reach your financial goals, whether you’re purchasing, refinancing, shortening your loan term, or unlocking cash for home improvements or other needs. Our experienced team is here to guide you through the process with ease and efficiency. Contact us today for a free, no-obligation consultation and discover the right mortgage solution for your needs.
Complete our quick online application and get pre-approved fast.
Fixed Rate Loans
Federal Housing Administration
Veterans Affairs
USDA Rural Development
Investor Programs
Renovation
Jumbo Loans
Legend Lending Corporation: The Right Mortgage for You
At Legend Lending Corporation, we pride ourselves on being a reliable, professional, and trustworthy mortgage partner. In an industry full of choices, our commitment to delivering personalized service and guidance throughout the entire home loan process sets us apart. From application to closing, we focus on providing you with the support and attention you deserve, ensuring that every step of your home financing experience is smooth and transparent. With strong vendor relationships and an experienced team, we’re dedicated to offering a seamless process and exceptional service tailored to your needs. Let us help you find the right mortgage for your unique situation.
About Us
With over 20 years of experience in residential lending, Caleb is a mortgage specialist with deep expertise in all aspects of home financing. Whether you’re purchasing a new home or refinancing, Caleb and the team at Legend Lending are committed to providing a seamless, stress-free mortgage experience. We understand that buying a home is one of the most significant financial decisions you’ll make. That’s why we take a personalized approach, offering a wide range of loan products and matching you with the best program to fit your unique needs. Known for responsiveness, availability, and clear communication, we prioritize keeping you informed every step of the way.
Thinking about a new home? Give me a call to get pre-qualified and make your offer with confidence!
Innovative Home Loan Solutions
Learn more about some of the home financing solutions we offer.
Fixed Rate Loans
Explore our financing solutions. A Fixed Rate Mortgage provides borrowers with a consistent principal and interest payment throughout the life of the loan, offering stability and predictability. Fixed rate options are available across a range of loan products, including Conventional, FHA, VA, USDA, and Jumbo mortgages.
Federal Housing Administration (FHA)
An FHA loan offers a government-insured mortgage with flexible options and a low-down payment, making homeownership more accessible. Ideal for first-time buyers and experienced homeowners alike, FHA loans help overcome the challenge of saving for a large down payment. Explore how an FHA loan can bring you closer to homeownership, contact us today to learn more.
Jumbo Mortgages
Need financing beyond today’s conforming loan limits? A jumbo mortgage may be the right solution. Legend Lending offers both fixed and adjustable-rate jumbo loans to accommodate higher loan amounts. Contact us to explore your options and find the right fit for your financing needs.
Veterans Affairs (VA)
Are you a military service member or veteran considering homeownership? As part of your earned benefits, the Department of Veterans Affairs offers VA Loans, an exclusive financing option designed to make homeownership more accessible. With competitive terms, including low or zero down payment options, VA Loans provide flexibility. If you’re eligible, this program can be a powerful tool in achieving your homeownership goals. Contact us to learn more about how a VA Loan could work for you.
Investor Programs
DSCR (Debt Service Coverage Ratio) Loan: A DSCR Loan allows investors to qualify for a mortgage using the property’s projected rental income to offset the mortgage payment, taxes, insurance, and HOA dues (if applicable). This program offers lower down payment options and the flexibility to close in an LLC, keeping the loan off personal credit reports. Eligible property types include Single-Family Residences, Condos, CondoTels, Multi-Family (up to 10 units), and Mixed-Use properties. Foreign national options are also available. Explore your investment opportunities, contact us today to find the right financing solution for your portfolio.
USDA Rural Development
If you’re looking to buy a home in a rural area, a USDA loan might be the perfect solution. With no down payment required and flexible eligibility options, this program is designed to make homeownership more accessible. Additionally, USDA loans offer the benefit of lower mortgage insurance costs compared to other low-down-payment programs.
Renovation Program
Turn your fixer-upper into your dream home with a Rehab Loan. This financing option allows you to purchase a home and include renovation costs in a single loan, simplifying the process and making home improvements more accessible. Explore how a Rehab Loan can help you finance both the home and the upgrades it needs.
Essential Documents for Your Mortgage
During the underwriting process, your loan officer may request the following documents:
- Driver’s License: Copy of your current driver’s license
- Employment: Last 2 years of W-2 statements
- Income: Last 30 days of pay stubs
- Bank Statements: Last 2 months of checking and savings account statements (all pages)
- Rental History: Contact information for your landlord to verify rental payments
Additional Documents (if applicable):
- Tax Returns: Last 2 years of individual tax returns (all pages and schedules)
- Self-Employed or Commissioned: Last 2 years of individual tax returns and corporate tax returns (if applicable)
- Investments: Last quarter of statements for stocks, bonds, mutual funds, or 401(k) (all pages)
- Student Loans: Information on any deferred student loans and what the payments will be when deferment ends
- Other Real Estate Owned: Provide details of any other properties you own, including addresses, loan balances, and monthly payments. This helps assess your overall financial position.
At Legend Lending Corporation, we aim to assist you through the process and help you get pre-approved. It’s important to share any details that may impact your approval so we can plan ahead and avoid surprises.
Note: A pre-approval is not an application for credit. It is a service offered by Legend Lending Corporation to help you explore mortgage options. In accordance with federal regulations, documentation is not required until after you submit an application, receive a Loan Estimate, and indicate your intent to proceed with the loan transaction.
Typical Loan Process
- Pre-Qualification: Borrower completes the loan application. Upon review by a Legend Lending loan officer, borrower receives a pre-qualification letter subject to documentation verification.
- Offer Acceptance: Purchase offer is accepted, home inspection scheduled, and earnest money deposit submitted to the title company.
- Disclosures: Legend Lending sends a Loan Estimate and loan application disclosures within three days of the application date for e-signature and requests any missing documents.
- Appraisal & Insurance: Appraisal is ordered by Legend Lending, and homeowners’ insurance is secured by the borrower.
- Underwriting Preparation: Your team at Legend Lending prepares your loan for underwriting.
- Underwriting: Underwriting decision is issued, and any additional conditions required for approval will be communicated to the borrower.
- Clear to Close: Loan is submitted for a final review and to clear any remaining underwriting conditions, ensuring the loan is ready for closing
- Closing Preparation: Legend Lending’s closing department coordinates final figures with the title company and sends documents for e-signature along with the Closing Disclosure, three days prior to closing.
- Closing Day: Borrower e-signs closing documents, and any required wet signatures are signed with the notary.
- Closing Complete: Congratulations! Your loan is closed
Get pre-qualified for your mortgage at Legend Lending today!
Corporate Headquarters
Legend Lending Corporation
17047 El Camino Real
Suite 150
Houston, TX 77058
Phone: (281) 218-0435
Legend Lending Corporate NMLS# 229421
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