Our mission is to share our experience, resources and expertise in residential mortgage lending with our partners and clients so they can make an informed decision when choosing a loan program. One of the biggest financial decision people will make in their lifetime is a home mortgage. Our goal is to eliminate the stress and anxiety and allow our clients to embrace and enjoy the process whether its purchasing their first home, debt consolidation or home improvement refinance. We measure our success by our clients’ happiness.


Conventional Loan Conventional

Programs underwritten in accordance with Fannie Mae/Freddie Mac guidelines with LTV as high as 97%


With as little as 3.5% down payment

VA Loan VA

Designated programs for the veterans that served our country

LPMI Chart

Lender Paid Mortgage Insurance up to 95% LTV

Home Ready Home Possible Home Ready
Home Possible

Programs designed for 1st time homebuyers

Jumbo Jumbo

With loan amount as high as $2,500,000

Hybrid ARM Hybrid ARM

Available in 5/1, 7/1 or 10/1 term

Portfolio Lending Portfolio Lending

Variety of programs that may help even the most difficult scenarios. Please email scenario@brightenlending.com with complete loan details for guidance.


As mentioned in our mission statement, our goal is to provide you with our experience, resources and expertise in residential mortgage lending so you can select the loan for your specific needs. Choose from a variety of loan products with customized closing options such as NO Point or NO Point NO Fee. Whether you are a first time home buyer or an experienced investor or looking to refinance an existing mortgage, you need the right team working for you.

To inquire about a home loan or to schedule an appointment with our Mortgage Consultant, please contact us.

Phone Call 888-227-4808 Mail Us BLinfo@brightenlending.com


At Brighten Lending, we understand that some questions may require more than a one liner answer. If the most recent posted Q&A does not cover your topic, simply email us at BLinfo@brightenlending.com with your questions and we will respond to you as soon as possible.

Q. What is the minimum down payment I need?

A. Depending on the loan program, the down payment can be as low as 3.5% with a FHA insured home loan. For a conventional loan, the minimum down payment is 5%. Some of the first time home buyer programs allow as little as 3% down payment

Q. When does mortgage insurance (PMI) apply?

A. Mortgage insurance is typically required when the loan-to-value (LTV) or loan amount exceeds 80% of the purchase price or appraised value

Q. Can my parents be co-signers on the loan but not live with me?

A. Yes, family members are allowed to be co-borrowers on the loan when the subject property will be the borrower’s primary residence. When the co-borrowers does not intend to occupy the subject property, they are known as “non-occupant co-borrowers”

Q. What does my credit score need to be to qualify for a loan?

A. We offer many programs with as low as 580 credit score. In addition to meeting the credit score requirement, you must also provide sufficient income and assets documentations as part of the qualifying process

Q. I’m putting a down payment of 30% on a million dollar home. I’m self-employed and my tax returns show very little income. Do you have any program that does not require income verification?

A. Unfortunately at the moment we do not offer any program where income verification is not required.


Lee Kay
Lee Kay

tel:888-227-4808 Ext. 200 lee.kay@brightenlending.com

Jessica Von
Jessica Von

tel:888-227-4808 Ext. 218 jessica.von@brightenlending.com

Lori Jen
Lori Jen

tel:888-227-4808 Ext. 208 lori.jen@brightenlending.com

Jackie Kay
Jackie Kay

tel:888-227-4808 Ext. 227 jackie.kay@brightenlending.com

Joshua Shen
Joshua Shen

tel:888-227-4808 Ext. 221 joshua.shen@brightenlending.com

Sean Lee
Sean Lee

tel:888-227-4808 Ext. 209 sean.lee@brightenlending.com

Tara Giamona
Tara Giamona

tel:888-227-4808 Ext. 212 tara.giamona@brightenlending.com

Leonora Garcia
Leonora Garcia

tel:888-227-4808 Ext. 228 leonora.garcia@brightenlending.com

Sandy Ni
Sandy Ni

tel:888-227-4808 Ext. 210 sandy.ni@brightenlending.com

Peggy Liu
Peggy Liu

tel:888-227-4808 Ext. 213 accounting@brightenlending.com

Judy Ni
Judy Ni

tel:888-227-4808 Ext. 202 judy.ni@brightenlending.com

Nina Kay
Nina Kay

tel:888-227-4808 Ext. 225 nina.kay@brightenlending.com



Whether you are a seasoned agent or just starting in the business, we have everything you need to be your own boss without all the overhead cost that comes with running a business. We have a full support team of loan processors, underwriters, funders and even an in-house escrow service for refinance transactions. We are a direct retail lender with full delegated authority in almost every loan program we offer which allows for a much faster turn time than submitting loans on the wholesale side. From submission to funding, you will be able to close more deals and faster than anywhere else. We make partnering up with us easy and fast. No desk fee, No quota and most importantly your commission split is always 100%. For more information or to set up a meeting please email us at BLinfo@brightenlending.com

Internal Staff

Brighten Lending is always looking for highly motivated individuals to add to our team. Please send your resume to BLinfo@brightenlending.com to inquire about an opportunity to join us.


# File Name File Type
1 Appraisal Order Form PDF Download
2 Appraisal Order Form EXCEL Download
3 Borrower's Authorization Form PDF Download
4 Doc Order Form PDF Download
5 Doc Order Form EXCEL Download
6 Income Worksheet EXCEL Download
7 LPMI Chart PDF Download
8 Monthly MI Factor Chart PDF Download
9 New Loan Check List PDF Download
10 New Loan Check List EXCEL Download
11 Rate Lock Request Form PDF Download
12 Rate Lock Request Form EXCEL Download
13 Rental Income Worksheet EXCEL Download
14 Submission Form PDF Download
15 Submission Form EXCEL Download