Integrity Home Lending, LLC

Integrity Home Lending, LLC 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/

09/03/2026

Myth: Once you've been through a bankruptcy or foreclosure, you can never get a mortgage again.

Fact: You can still buy a home. You just need to wait out a required period first.

Most loan programs have a waiting period after a bankruptcy or foreclosure. Depending on the loan type and your situation, that window can be as short as two to three years. After that, your path to homeownership is still open.

If you've been through a rough patch financially, let's talk through your options. Integrity Home Lending is here when you're ready.

NMLS #2412324. Equal Housing Opportunity.

09/03/2026

Myth: If you've been through a bankruptcy or foreclosure, you can never get a mortgage.

Fact: You may still be able to buy a home. You just need to wait out a set period of time first.

That waiting period depends on the loan type and how long ago things happened. Some programs allow you to apply in as little as two years. Rebuilding your credit in the meantime makes a real difference when you're ready.

Bookmark this. When you're ready to talk through your options, Integrity Home Lending is here. No pressure.

NMLS #2412324. Equal Housing Opportunity.

09/02/2026

People say: "The sticker price is the only number that matters when you buy a home."

The reality: The purchase price is just the starting point.

Your monthly payment depends on your interest rate, loan term, property taxes, and insurance too. A lower-priced home with a higher rate can cost more each month than a pricier home with a better rate. The full picture matters more than the price tag. 🏡

Save this and share it with someone who's shopping by price tag alone.

NMLS #2412324. Equal Housing Opportunity.

09/01/2026

What you've heard: Pre-qualified and pre-approved are basically the same thing.

What's actually true: They are two very different steps in the homebuying process.

Pre-qualification is a quick estimate based on info you share. Pre-approval goes deeper. A loan officer reviews your income, credit, and assets to give you a real number. Sellers take pre-approval seriously. Pre-qualification, not so much.

Bookmark this. It could save you from losing a home you love to a better-prepared buyer.

NMLS #2412324. Equal Housing Opportunity.

08/31/2026

Your lender approved your loan. So why are they asking about money in your bank account?

That's cash reserves. It means funds you still have after your down payment and closing costs are paid. Some loan programs want to see that you have a cushion left over.

Think of it as proof that a surprise expense won't derail your first few months as a homeowner. The amount required varies by loan type and your overall financial picture.

Not every program requires reserves. But knowing this upfront helps you plan, not scramble.

Bookmark this for when you start your pre-approval process. Integrity Home Lending is here when you're ready, no pressure, just answers.

NMLS #2412324. Equal Housing Opportunity.

08/30/2026

Thinking about buying a second property? The way you plan to use it matters more than you might expect.

Lenders treat second homes and investment properties differently. A second home is one you plan to live in part of the year, like a vacation cabin or beach house. An investment property is one you plan to rent out for income. That distinction changes your loan terms.

Investment properties typically require a larger down payment and carry higher rates, because lenders see them as higher risk. Rates vary based on credit, loan type, and how the property is classified.

Knowing which category your property falls into before you apply can save you a lot of surprises at the table.

Bookmark this for when you're ready to talk through your options. We're here to help you go in informed.

NMLS #2412324. Equal Housing Opportunity.

08/29/2026

Your mortgage payment might be higher than you expect. Here's why: property taxes are usually built right in.

When you buy a home, your lender often sets up an escrow account. That's a separate account where a portion of each monthly payment is held, so your property taxes get paid automatically when they're due.

Your tax amount is set by your local government, based on your home's assessed value. That number can change year to year, which is why your monthly payment may adjust slightly over time.

Knowing this before you buy helps you plan for the real cost of homeownership, not just the sticker price.

Save this one for later. And when you're ready to talk through the numbers, Integrity Home Lending is here.

NMLS #2412324. Equal Housing Opportunity.

08/28/2026

Two very different protections. One very common mix-up.

Homeowners insurance covers damage from unexpected events, think fires, storms, or theft. It protects the structure of your home and your belongings if something goes wrong suddenly.

A home warranty is different. It covers the breakdown of systems and appliances over time, like your HVAC, plumbing, or refrigerator. It's about wear and tear, not disasters.

Most mortgage lenders require homeowners insurance. A home warranty is optional, but it can be a strong option for buyers of older homes.

Bookmark this. Future-you will thank you. 🏡

NMLS #2412324. Equal Housing Opportunity.

08/27/2026

You close on your home, and a few weeks later you get a letter saying your mortgage was sold. Confusing? Yes. Normal? Absolutely.

This happens all the time. Lenders often sell loans to other financial institutions after closing. It's called loan servicing transfer, and it doesn't change your loan terms at all.

Your interest rate, your monthly payment, your balance: none of it changes. The only difference is where you send your payment each month.

If this happens to you, look for an official letter in the mail with your new servicer's contact info. Keep it somewhere safe and update your autopay if you have one.

Bookmark this one. It's the kind of thing that catches new homeowners off guard, and now you'll be ready.

NMLS #2412324. Equal Housing Opportunity.

08/26/2026

The listing price is just the starting point.

When a lender looks at what you can afford, they dig deeper than the home's price tag. They calculate something called your DTI, which stands for debt-to-income ratio. That's how much of your monthly income already goes toward debt payments, like car loans or student loans.

The lower your DTI, the more room you have for a mortgage payment. Most lenders want to see it below 43%, though that number can vary based on your loan type and credit profile.

Knowing your DTI before you apply puts you in a much stronger position.

Did anyone walk you through this before you started house hunting? Drop a comment below.

NMLS #2412324. Equal Housing Opportunity.

Address

7185 Colfax Avenue
Cumming, GA
30040

Telephone

+16786166024

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