Your Path to Homeownership Starts Here

Get expert mortgage advice, personalized loan programs, and dedicated support from a trusted team with a proven track record. Whether you’re purchasing your first home or refinancing, we simplify the process so you can achieve your homeownership goals with confidence.

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Buy your home with $0 down today ask about our down payment assistance programs!

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How Can We Help You?

Loan Programs

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About Us

Meet the people who make it happen

Whether you're purchasing a home or refinancing your mortgage, you can trust the experienced team at Porch Point Mortgage to guide you through every step of the home loan process. Our experts are committed to helping you secure the best mortgage rates, terms, and financing options tailored to your needs.

Testimonials

Testimonials

Real Stories, Real Experiences | What Our Clients Are Saying

At Porch Point Mortgage, we take pride in offering personalized, expert service. Don’t just take our word for it read real stories from our clients who have experienced the smooth, hassle-free process of purchasing or refinancing their homes with us. We’re committed to supporting homeowners with care and expertise, and our clients’ feedback reflects that dedication.
Google Reviews

"Darius was fantastic. He explained each step of the process and kept me updated every step of the way.The entire process was much easier than I expected."

November, 2025

"Porch Point Mortgage is definitely the broker you would like to do business with. Our mortgage loan officer Krystal was wonderful. She was patient, kind, and most importantly, extremely good at getting us the best deal possible. Her communication skills were top-notch, and she was always friendly and readily available. Krystal's knowledge and experience will be an asset to you in your home purchasing endeavors; and she comes highly recommended."

March, 2024

"During our time looking for a home, Darrius made things extremely easy to understand. When we weren't sure about something, we were able to call Darrius and he gave a thorough breakdown and ensured we understood. Where other loan officers push you to a house without explaining the process, pros, or cons, Darrius was exemplary and is a great example for others in his field of work."

January, 2024
Frequently asked questions

Frequently asked questions

Why Choose Us As Your Mortgage Company?

Seamless Online Mortgage Application Process

Today’s busy borrowers don’t have time to schedule phone calls with banks to see if they qualify. We make the home loan process more accessible than ever by allowing you to apply for a mortgage online without unnecessary fees or delays.You’ll work with a dedicated loan officer to find in-person and online lenders whose products match your financial situation. Upload everything to our portal, such as your tax returns, pay stubs, bank statements, and credit reports, and get quick loan estimates.We strive to be highly responsive throughout the mortgage application process. You can contact us anytime to learn more about lowering your interest rate through points, your estimated closing costs, and what further information your lender may need.Our team will send you timely updates on your loan application, rate locks, estimated closing costs, and closing details right to your inbox. This innovative approach allows us to complete the closing process faster than the industry average.

Compare Rates from Dozens of Lenders

Our company is dedicated to helping consumers find the right mortgage lender and loan amount for their needs. You’ll benefit from our extensive network of mortgage lenders, including credit unions, online lenders, and other lenders offering specialized home lending products.Whether you’re a self-employed investor seeking to cash in on home equity for a new rental or a veteran with a less-than-perfect credit score, we’ll find a lender whose services match your finances and goals.All lenders have strengths and drawbacks. Some have built their reputations on providing low-cost mortgage products to borrowers with less-than-perfect credit. Others are known for providing boutique mortgage products like DSCR loans for investors. Online lenders often have a more streamlined process and may offer unique products to non-traditional borrowers.We will guide you through these intricacies to help you find the right lender based on your borrowing profile. Whether you need a straightforward conventional mortgage for your dream home or require more specialized services to purchase an investment property, our network of 50 lenders has you covered.Our team will help you explore the key factors of home loans, such as the loan estimate and interest rate. We’ll walk you through details like the difference between FHA and US Department of Agriculture (USDA) loans and how to use discount points or pay an origination fee. We aim to serve as your advocate and assistant, ensuring you and your lender are on the same page about your obligations as a borrower.With access to so many lenders, you’re sure to find a mortgage that matches your goals—and, most importantly, we can complete the entire online application in just 10 business days.

Choose Between Numerous Mortgage Products

Everyone’s financial goals differ, meaning there is no one-size-fits-all home loan option. When you apply for a mortgage with District Lending, we’ll consider all the factors that make up your application, such as your credit report, income, and bank statements, and then recommend the right mortgage products for your needs.For example, those needing a more affordable monthly payment may want to explore FHA loans, government-backed loan products designed for borrowers with low credit scores. Veterans will appreciate that VA loans require no down payment and come with a variety of additional benefits, such as lower credit score requirements.Those interested in the grand home of their dreams can pursue jumbo loans, which allow you to borrow more than the conforming loan limit if you have a sizeable down payment and a great credit score. This is a perfect option for those who want to purchase in more expensive areas or who simply want a more luxurious home than may otherwise be possible.We offer DSCR loans for investors to help you purchase the investment property of your dreams. These loans focus on the property’s profit potential rather than your individual financial situation, and you don’t need information like a credit report, bank statements, or pay stubs. This makes real estate entrepreneurship possible for borrowers of all types.We can also help you find great cash-out refinances when you’ve built up home equity.

Assistance Throughout the Life of Your Loan

Our service doesn’t end at closing. We’re here for you throughout the home loan process, from the initial mortgage application to refinancing.With a refinance, you close out your original loan and open a new one with more favorable rates. You can pull equity from your home to pay for more urgent financial needs or access a better rate than was possible when you first opened your loan. You can also change products, whether that is turning an adjustable-rate mortgage into a fixed-rate mortgage or changing a 15-year loan into a 30-year loan and vice versa.We want to make it as easy as possible for you to get the best rates based on your personal finances. Sign up for our rate drop notifications to be notified when you can access a better rate, and then begin the refinance mortgage application process online.As with your original mortgage, we’ll help you compare in-person and online mortgage lenders to identify those with the best rates for your personal financial situation. We’ll explain your options, including whether a rate-and-term refinance or cash-out refinance would be best for you.If you’re unhappy with your current mortgage lender, we can explore companies that may be better suited for your needs. Regardless of what you choose, we can ensure you get the right mortgage product in the least amount of time.

Banks
Credit Unions
Always
Never
Calling listing agents for every offer
Fully underwriting pre-approvals
Sometimes
Sometimes
60 minute response times
Sometimes
No lender fees
Agressive arm pricing
One time construction loans

See the rates

Lower Rates. Zero lender fees.

As a mortgage broker, we have access to over 50 lenders. This means that you have more options to choose from, making it easier to find the perfect loan.

Work with us

Partner with Porch Point Mortgage for Your Home Financing Needs

Whether you're purchasing your first home or refinancing, Porch Point Mortgage is here to help you secure the best loan options. Our team offers expert guidance, personalized service, and clear advice at every step of the mortgage process. Click "Apply" to get started today and let us make your home financing journey easy and stress-free.

Know exactly what to expect from your loan

Get a free loan quote today and leave the guesswork behind.