What is The Truth About Lending?


Melinda Payan and The Truth About Lending Team are your residential mortgage specialists!

Melinda sees mortgage financing from a unique perspective.  She fully understands the underwriting process. She has successfully navigated through the changes have taken place in the mortgage industry over the years.  As a prior owner and current owner of a mortgage company or loan officer for almost 20 years, she has remained active in originating loans with many top lenders. She continues to maintain both a State and Federal loan originator’s license.

The Truth about Lending offers you more than twenty years of business and financial expertise in order to successfully and expeditiously negotiate your financing needs.

Our staff is comprised of a former loss mitigation underwriter, a mortgage company owner, mortgage processors, and licensed active mortgage brokers, all of whom are here for the sole purpose of assisting you and getting your loan successfully completed as quickly as possible.

In addition The Truth About Lending has access to many programs that other lenders may not. If you have had a recent bankruptcy, foreclosure or short sale and you want to purchase a house we may have financing options for you. In 2008 when the mortgage industry crashed Melinda and her family went through some difficult times when one of her children was very sick. She ended up having to short sale her own home. She knows how it feels to get a fresh start and it has become her passion to be able to help others.  If you have been turned down by other lenders call The Truth About Lending we may have options for you.  Call us today at 1-888-76-TRUTH or click apply now to start the loan process.

Why are so many people told they qualify for a loan and they do not? Why are so many people told they don’t qualify for a loan and they may qualify? “The lack of education in our industry” said, Melinda Payan. Melinda Payan believes in a different approach than other lenders do. “Why not tell your clients the truth upfront the good and the bad ?” , asked Melinda Payan. Why are so many loan officers in the mortgage industry sugar coating the loan process?  “Everyone has heard the horror stories over the years from their friends and family who went through a stressful time getting a loan.”, said Melinda Payan. The Truth About Lending and Melinda Payan and her team will give you the straight answers in the beginning. What to expect during the underwriting process. The good and the bad of what to expect. ” We will tell you the truth of what you are going to experience“, said Melinda Payan, ” Not what someone wants you to hear so you sign up with them and then feel stuck”.  Unfortunately at a time where loan officers at banks are not required to have any mortgage license at all it is very important to work with someone who really understands the guidelines and how to help a borrower.  “Working with my team you will get THE TRUTH ABOUT LENDING and how it pertains to your situation!”

Please call us at 888-76-TRUTH (888-768-7884).

The public deserves to know what their real options are!