The force behind your next move. Refinancing, handled the way it should be.
A dedicated team of specialists. One file, handled personally from application to funded. No handoffs. No call centers. The average refinance closes in 13 days.
13
Average days to close
$163B
Funded in 2025
98%
Client satisfaction
Our Bankers · Top 5 · 2026
01/05
Why Lending Force
Built for clients who expect more.
Every detail of our process is designed to reduce friction and give you certainty, from the first call to your closing date.
01
One Advisor, Always
A single point of contact from application to closing. No handoffs, no repeating yourself. Your advisor reviews your file within the hour.
02
Real-Time Updates
Every milestone sends a plain-English update to you and your agent. You always know where your file stands before you think to ask.
03
Smart Document Portal
Upload once. Our system automatically sorts, parses, and routes your documents, matching files to conditions before underwriting asks.
04
Condition Intelligence
When underwriting returns conditions, we auto-clear what we can and send you one clear, consolidated request, never a confusing drip.
05
Refi Specialists Only
We focus exclusively on refinances. Your file moves faster because we have closed thousands like it, and we know every nuance.
06
Private & Secure
FDIC insured. 256-bit encryption. Your SSN is tokenized on entry and accessed only by your assigned underwriter, never stored in plaintext.
Award-Winning Advisors
The top 5 bankers behind your file.
You don't close 13-day refinances with average advisors. Our team is recognized nationally, each one ranked among the best mortgage professionals in America.
Operations
Our top processing team behind your file.
Behind every fast closing is a relentless processing and underwriting team. These five specialists clear conditions, run UWM submissions, and prep closing packages. They are the engine that gets your file to the closing table without surprises.
Combined, our processing team has cleared over 12,000 conditions across UWM's full product suite. The result: most files come back from underwriting in a single round, with zero surprise requests on closing week.
How It Works
Why we close faster.
01
Apply
A brief, encrypted application, handled personally from the first moment.
02
Advisor Review
Your advisor reviews your file within the hour and reaches out directly.
03
Documents
Upload once. Our system sorts and matches everything automatically.
04
Underwriting
Conditions worked through, most cleared automatically by our system.
05
Closing
Closing documents coordinated and signing scheduled at your convenience.
Client Stories
What our clients say.
"Elena called the same afternoon I applied. Marcus had everything organised before I knew what was needed. We closed in sixteen days."
AR
Albert Reinback
Cash-out refi · Pacific Heights, San Francisco
"My previous lender kept me on hold for 40 minutes. Here I simply texted Marcus directly. The experience is in a different category entirely."
JK
John Kilsberg
Jumbo refi · Palo Alto, California
"Every detail was anticipated. I never had to chase, follow up, or repeat myself. They told me exactly when each step would happen and hit every date."
MB
Michael Brown
Rate & term refi · Miami, Florida
Ready to begin? We'll review your file today.
Your information is encrypted and routed directly to your advisor. No call centers, no automated responses. A real person reviews your file today.
Application
A few details. We handle the rest.
Start your refinance application. Your advisor reviews your file the same day. No call centers, no automated responses.
Personal
Identity
Step 01 of 02
Tell us about you.
Your name and how to reach you. Your advisor will contact you directly with the next steps.
Direct Contact OnlyFDIC insured. 256-bit encryption. Your info is routed only to your assigned advisor and never sold or shared.
You'll use this with your email to access your client portal.
Step 02 of 02
Verify your identity.
Required by federal lending rules. This data is encrypted on entry and accessed only by your assigned advisor.
Identity Verified SecurelyOnly the last 4 of your Social are collected at this stage. Your advisor will collect any additional info securely by phone. FDIC Insured · NMLS #2280864.
Auto-saved ·
Application received.
One of our top 5 bankers will be with you shortly. Expect a personal call within the hour. You'll also receive secure portal access by email and text.
Private Client Portal
Welcome back.
Your file, your conditions, and your advisor, in one place. Sign in with the email and password you set when you applied.
Client Portal · LF-24815
SA
Sebastian A.
Welcome
Your application is in.
One of our top 5 bankers will be in touch within the hour to introduce themselves and get your file moving. Status updates from your advisor will appear below as your loan progresses.
Loan Amount
—
Pending review
Rate
—
To be quoted
Est. Value
—
Pending appraisal
Close Date
—
TBD
Where you are
Just submitted
Application submitted
Initial details received and routed to our team.
Today
Advisor review
A banker is reviewing your file and will reach out shortly.
In progress
Conditional approval
Underwriting submission and decision.
—
Clearing conditions
Documents reviewed and conditions resolved.
—
Appraisal complete
Appraisal report received and added to your file.
—
Clear to Close
Final review and closing disclosure issuance.
—
Closing
Notary scheduled. Funds released after funding.
—
Funded
Loan funded. Congratulations.
—
Conditions
None yet
0
No conditions yetConditions will appear here once your file is submitted to underwriting.
Your documents
0 on file
+
Drop files or click to upload
Sorted and matched automatically
No documents yet. Files you upload will appear here.
Recent activity
Today
Application submitted. Awaiting advisor assignment and review.
Just now
Admin Dashboard
Client Files
Update assigned banker, loan status, conditions, and activity. Changes save to your client portal in real time.