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The Truth About Lending is a unique blend of many years of real estate and mortgage experience combined. 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.  We have very competitive rates and are confident that we can give our borrowers the best possible terms for financing. We also have a great deal of expertise in short sale negotiations.  We have over 20 years experience in the mortgage industry that assists us in processing mortgages and 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 loan or  short sale 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.

Melinda Payan sees mortgage loans, 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 an established mortgage company, 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).