Mortgage Solutions for Employees | Corporate Benefits

Your Employees Get a Better Lender.
Your Company Pays Nothing.

LendFriend Mortgage partners with employers to help new hires relocate and existing employees buy or refinance, with no fees, contracts or administration for the company.

Cost to Employers

No contracts, no fees and nothing for HR to administer

$1.5B

Loans Originated

Home loan volume originated by LendFriend Mortgage

40+

Lenders Shopped

Competitive rates and low fees on every employee loan

5.0

565 Google Reviews

A Mortgage Benefit Your Company Can Offer at No Cost

LendFriend partners with employers to provide employees with direct access to experienced mortgage advisors, competitive mortgage pricing and financing options for home purchases, refinances and relocations.

There is no cost to the employer, no contract, no exclusivity requirement and virtually nothing for HR or benefits teams to manage. We provide the employee-facing materials and dedicated contact information, then work directly with each employee from pre-approval through closing.

The benefit can be offered by companies of any size, from early-stage startups and pre-IPO companies to large public corporations. Employees can use the program whether they are buying locally, relocating for work or need help qualifying with compensation such as salary, bonuses, commissions, RSUs or investment assets.

Why Corporations Partner With LendFriend Mortgage

LendFriend Mortgage gives employees a better mortgage experience, whether they are relocating for a new role, buying their next home, refinancing or qualifying with more complex compensation. We work with companies of every size, from growing startups and privately held businesses to post-IPO companies and large public corporations. Employees get direct access to experienced mortgage advisors who stay closely involved from pre-approval through closing.

Here’s why employers partner with LendFriend:

Competitive rates with low lender fees. Employees get access to a broad wholesale lending network, strong pricing and mortgage options that can compete with major banks and private banking programs without requiring a banking relationship or moving assets.
Built for companies at every stage. Whether you have 25 employees or 25,000, are privately held, preparing for an IPO or already public, the benefit works the same way. Employees come directly to us, and we handle their financing individually.
Mortgage options built around how employees are actually paid. We work with salary, bonuses, commissions, RSUs and investment assets. For employees at pre-IPO companies, we may be able to use qualifying restricted stock compensation that many traditional mortgage programs will not recognize, opening up purchasing power that might otherwise be left on the table.
Relocation financing that keeps up with the move. We can get employees pre-approved before they begin their home search, help them understand financing in their new market and coordinate remote closings. Employees who still own a home in the city they are leaving may also have options to buy before selling.
Fast approvals and dependable closings. Same-day pre-approvals are available, our average closing is under 21 days and qualified borrowers can close in as few as 10 business days when a relocation date, lease expiration or purchase contract requires a faster timeline.
Personal service employees can rely on. Every borrower works directly with a dedicated mortgage advisor who remains accessible throughout the transaction, including evenings and weekends. That responsiveness has helped LendFriend earn a 5.0 Google rating and gives employers confidence that their employees are in good hands.

Meet With Us

We start with a short conversation about your workforce, where employees are located, how often you relocate team members and the types of home financing support they are most likely to need.

We Build the Program Around Your Team's Needs

LendFriend creates a dedicated intake path, employee-facing mortgage resources and a clear point of contact your HR, benefits and relocation teams can confidently share.

Your Employees Get White-Glove Financing

Every employee gets one-on-one guidance from a senior mortgage advisor, from same-day pre-approval through closing, whether they are buying their first home, relocating across the country or refinancing a home they already own.

New Hires and Transfers Relocating

An employee moving from another city or state is pre-approved before the house hunt begins and can close remotely, so the move and the mortgage finish on the same timeline. If they still own a home in the market they are leaving, a buy before you sell loan lets them make a non-contingent offer and sell on their own schedule.

Existing Employees Buying a Home

Whether an employee is buying a first home or moving up, they receive wholesale pricing from more than 40 lenders and a pre-approval letter strong enough to win the offer. First-time buyers get extra guidance through our first-time homebuyer loans, including low down payment options.

Existing Employees Refinancing

Employees who already own a home can lower their rate, shorten their term or access equity, and we review each refinance against the numbers rather than a sales pitch. When rates fall, our Rate Rebound program brings them back with lender fees waived.

Loan Programs Built for Every Employee, From New Hire to Executive

Most employees fit a conventional or jumbo loan, and we price both across more than 40 wholesale lenders so they get better terms than a retail bank offers. Where LendFriend stands apart is the harder file: the executive paid largely in stock, the founder-turned-employee with assets but a modest salary, the veteran buying above the conforming limit. Those borrowers find LendFriend Mortgage because we specialize in them.

Explore the programs your employees use most below, or review the complete lineup on our loan options page.

Conventional Loans

The workhorse for W-2 employees: fixed and adjustable terms, low down payment options and pricing shopped across dozens of lenders.

Jumbo Loans

Financing above conforming limits for senior staff and executives, with 10% down options and pricing that competes with private banks.

RSU Mortgages

Employees paid in restricted stock count vesting RSU income toward qualification without selling a single share. Pre-IPO equity at private companies such as Anthropic and Databricks can count as well.

VA Loans

Veterans on your payroll finance a home with no down payment and no mortgage insurance, including jumbo amounts.

Refinances

Employees who already own a home lower their rate, shorten their term or turn equity into cash for renovations, tuition or debt consolidation.

Non-QM Loans

Employees interested in real estate investing qualify on a property’s rent with a DSCR loan, and executives with significant investments qualify on those balances through asset depletion loans.

Texas

Our home market. Austin, Dallas-Fort Worth, Houston and San Antonio draw corporate relocations every month, and we know the neighborhoods employees ask about first.

Florida

Palm Beach, Boca Raton, Miami, Naples and Tampa, where relocating executives often buy second homes and qualify on assets rather than salary.

California

Los Angeles, Orange County, San Diego and the Bay Area, where jumbo loans and stock compensation are part of most employee purchases.

Illinois

Chicago, the North Shore and the western suburbs, where transferred employees need a broker who can move quickly in a tight market.

New Jersey

Bergen, Morris and Monmouth counties and the Jersey Shore, where New York commuters and relocated staff buy at price points that call for jumbo expertise.

A Mortgage Broker Built for the People Behind Your Company.

Eric and Michael Bernstein started LendFriend to give borrowers a better experience than their bank. Sharp pricing, honest advice and a process that respects the client’s time. Since 2019 the brothers have personally originated more than $1.5 billion in home loans and rank among the top 1% of mortgage brokers nationwide.

Employers began asking for the same thing on behalf of their people. A new hire relocating from another state, an engineer paid mostly in stock, a veteran buying above the conforming limit: these are the borrowers a call center cannot serve well, and the ones we serve best. The corporate partnership grew out of those requests, and it is the reason companies choose LendFriend over a preferred-lender list.

Every employee you send us is treated as a LendFriend client, not a referral: a named advisor, a plan built around their timeline and a closing that lands on the date the move depends on.

“Super impressed with how fast and smooth the whole process was — especially given my complex RSU comp structure that traditional banks kept discounting.

Eric and the team had no problem including my full base + RSU compensation. They were extremely fast, set clear expectations from the start, and followed through on everything they promised.

Honestly one of the easiest and most stress-free mortgage experiences I’ve ever had. Highly recommend!”

“LendFriend is the absolute best. I found them after I was denied by a lender due to an appraisal issue. I spoke with dozens of lenders, but LendFriend was the only one that could figure out a solution. They were able to close my jumbo loan in less than 3 weeks and hit my closing date. If you need a lender to step in and save the day, call LendFriend!”

“I recently used LendFriend for my home purchase, and they were fantastic! The team was professional, responsive, and truly caring. They explained everything clearly, answered all my questions, and made the process smooth and stress-free.

What really sets them apart is their forward-thinking approach—they accept cryptocurrency holdings as proof of income/assets, which was a game-changer for me and made qualifying so much easier. Communication was excellent, they secured a great rate, closed on time with no hidden fees, and their online portal was super easy to use.

If you want a modern lender that puts you first, embraces crypto, and delivers results, choose LendFriend. I’ll recommend them to everyone—thank you for making my dream home possible!”

“As a 1099 worker with non-traditional income history, Eric was able to think outside the box and help me find a mortgage for my first home. The company was always problem-solving and the process was seamless. I have already recommended them to several other friends and colleagues. If you are a non-traditional borrower or are looking for someone that can come up with creative solutions, check out LendFriend!”

“The team at LendFriend made buying our home in Florida so easy. We had an expiring lease and LendFriend was able to move very quickly to get us closed in under 30 days before the lease ended. They also got us a great rate on a jumbo loan and were available day and night to answer all of our questions. If you’re looking for a mortgage broker that makes the process stress-free while still getting you a great rate, you have to call LendFriend.”

“LendFriend made my homebuying experience so easy. As a business owner, I heard horror stories about how hard it can be for guys like me to get a mortgage. Thankfully I found LendFriend. Eric and the team had me approved in no time. My rate was great and they closed on time. Couldn’t ask for more.”

“Financing a home with acreage and unconventional retirement income can be overwhelming, but LendFriend Mortgage made the process smooth from beginning to end.

They were always quick to respond, answered every question we had, and explained each step in a way that was easy to understand. We always had direct access to the people actually working on our loan, which made the experience much less stressful.

What really stood out was that even after the loan funded, they continued helping and making sure we understood the next steps. There was never a feeling of “the loan closed, good luck.”

We truly appreciated the patience, communication, and support through the entire process and would absolutely recommend LendFriend Mortgage, especially for anyone with a unique financial situation or rural property purchase.”

“Eric and his team went above and beyond to help us with our home purchase. Our realtor recommended LendFriend to us and we couldn't have been happier with the recommendation. They were so nice and answered every question we had no matter how insignificant it seemed.”

What does a LendFriend partnership cost our company?

Nothing. There is no fee, no contract and no exclusivity, and we do not ask for a spot on a preferred-vendor list or a commitment on volume. As a mortgage broker we are paid by the lender that funds each loan, the same as for any borrower who finds us on their own, so the benefit costs the company nothing and the employee nothing extra. It also means the pricing an employee sees is wholesale, which is how a broker beats the bank on rate.

Is this an employee benefit we have to administer?

No. We provide a one-page overview for your benefits or onboarding packet, a dedicated intake link and, if you like, a short session for HR or relocation staff. From there employees reach us directly. There is no enrollment, no platform to manage and no reporting burden on your side.

Can a new hire get pre-approved before their start date?

Yes. An executed offer letter with a defined salary and start date can support a full pre-approval before the first paycheck, provided the start date falls within lender guidelines. We confirm the details up front, including how many pay stubs the lender will want once the employee starts, so the letter they submit with an offer is a true pre-approval, not a pre-qualification that falls apart in underwriting.

How do you handle employees relocating from another state?

We are licensed in 18 states, so most moves between offices stay with one lender from pre-approval to closing. The employee is pre-approved before the house hunt, tours with a letter in hand and can sign closing documents from their current city. We also brief them on the local market ahead of time, from price points to closing customs, so buying a home while relocating for work does not feel like buying blind.

How long does the process take for a relocating employee?

Most relocations follow the same arc: a same-day pre-approval, a house hunt that runs at the employee’s pace and a closing that averages just under 21 days once they are under contract. When a start date or lease expiration demands it, we close in as few as 10 business days. We give every relocating employee a plain-English homebuying timeline up front so they know what happens each week, and we flag the steps that move faster when the buyer is out of town.

Do relocating employees need a jumbo loan or a conventional loan?

It depends on the price of the home relative to the conforming loan limit in the new county. Most employees fit a conventional loan with low down payment options and pricing shopped across dozens of lenders. Senior staff buying above the limit move to a jumbo loan, where we offer 10% down options and pricing that competes with private banks. Either way the employee works with the same advisor, and we run both structures side by side when a purchase sits near the line.

Can veterans on our team use a VA loan when they relocate?

Yes, and it is often the strongest option on the table. Eligible veterans and active-duty employees finance a home with no down payment and no monthly mortgage insurance, and because the VA no longer caps loan amounts for borrowers with full entitlement, VA jumbo loans let them buy well above the conforming limit with zero down. We handle the certificate of eligibility, the entitlement review and the occupancy timing so the benefit works around the move rather than against it.

Does bonus or commission income count toward an employee’s qualification?

Usually, yes. Annual bonuses, commissions and overtime can count once there is a history of receiving them, typically two years, and a signing bonus can be used toward the down payment and closing costs. Different lenders weigh variable pay differently, so we place each file with the lender that treats it most favorably. We explain how bonus income qualifies for a mortgage in our Learning Center.

Can relocation assistance or a signing bonus be used toward the down payment?

In most cases, yes. Employer relocation funds, signing bonuses and lump-sum moving allowances can be documented as sourced funds and applied to the down payment and closing costs, provided they are paid before closing and shown on a paystub or a letter from the company. We walk employees through how employer relocation funds work for a down payment, and we coordinate with your relocation team when needed.

What if an employee needs to buy before selling their current home?

Our buy before you sell loan unlocks the equity in the employee’s current home so they can make a non-contingent offer on the new one, then list the old home on their own timeline. It is one of the most useful tools we offer relocating staff, and we answer the questions homeowners ask most about it in our Learning Center.

Do you work with employees who are paid in RSUs or stock?

Yes, and it is one of our specialties. Vesting restricted stock unit income can count toward qualification without selling a share, and we know which lenders treat it favorably and which discount it. Employees at public companies regularly use RSU income to qualify for a larger home than a salary-only approval would allow, and employees at private companies such as Anthropic and Databricks can qualify with pre-IPO RSUs through lenders that recognize private-company equity.

Can existing employees refinance through the program?

Yes. Employees who already own a home can lower their rate, shorten their term or take cash out, and the same pricing and service apply. Every LendFriend borrower is also enrolled in Rate Rebound: when rates drop meaningfully below their note rate, we let them know, and the refinance comes with lender fees waived. We explain how Rate Rebound rewards loyalty in our Learning Center.

Can an employee close remotely if they have not relocated yet?

Yes. Depending on the state, most closings can be completed with a mobile notary or remote online notarization, so an employee can sign from their current city and pick up the keys when they arrive. We cover what to expect from a remote closing so there are no surprises at the table.

Should our employees use a mortgage broker or a bank?

A bank can only offer its own products at its own price. As a broker, LendFriend shops each employee’s loan across more than 40 wholesale lenders, which means better pricing, more flexible guidelines and a way to say yes when a bank has already said no, on RSU income, a recent job change or a jumbo purchase. The employee still gets one advisor and one point of contact. We lay out the full comparison of mortgage brokers versus banks in our Learning Center.

Which states are you licensed in?

LendFriend is licensed in 18 states: California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Maryland, Michigan, New Hampshire, New Jersey, North Carolina, Ohio, Oregon, South Carolina, Tennessee, Texas and Virginia. If your company has offices outside those states, tell us and we will let you know what we can do.

How do we get started?

Schedule a short intro call with Eric or Michael. We will learn how your company hires and relocates people, agree on the materials your team needs and be ready to take the first employee call the same week. There is nothing to sign.

Give Your Employees a Better Mortgage Experience

Your Employees Get a Better Lender.
Your Company Pays Nothing.

A Mortgage Benefit Your Company Can Offer at No Cost

Why Corporations Partner With LendFriend Mortgage

How the LendFriend Employee Mortgage Benefit Works