The Truth About Lending is a unique blend of many years of real estate and mortgage experience combined. Although we can assist you with many different areas of real estate financing such as applying for a new loan and/or refinancing your current loan, our true expertise is short sale negotiation.  We have over 20 years experience in the mortgage industry that assists us in processing short sales from a mortgage underwriter’s standpoint.  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 short sale successfully completed as quickly as possible. In addition to short sale processing services, Melinda Payan, the President of “The Truth About Lending,” is also a licensed Realtor with City Realty Partners. City Realty Partners is one of the top foreclosure real estate companies in the state of Florida. City Realty Partners lists foreclosures for companies such as Bank of America, Fannie Mae, Freddie Mac, and many other large banking and finance institutions.

Melinda Payan sees short sales and foreclosures from a unique perspective. She fully understands the underwriting process, and she has successfully navigated through the changes that have taken place in the mortgage industry over the years. As the prior owner of a mortgage company for many years, Melinda Payan has remained active in originating loans with many top lenders. She continues to maintain both a state and federal loan originator’s license.  At a time where banks are being given major incentives to accept a short sale, there is no reason to lose your home to a foreclosure or to just give up. “A short sale is always the best way to prevent further negative actions later on and help you to quickly  recover your credit and financial picture down the road.  I grew up in South Florida, and this is my home. I know we can turn our market around and clean up our inventory of distressed properties much more quickly once additional education and marketing is in place. 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).