# LendFriend Mortgage

> LendFriend Mortgage is an Austin, Texas mortgage broker licensed in 18 states. The firm compares 40+ lenders and specializes in jumbo Non-QM loans for borrowers with complex income or substantial assets, including asset depletion mortgages, bank statement loans, no-ratio loans, DSCR loans and crypto mortgages, alongside conventional, jumbo and VA financing.

Licensed states: California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Maryland, Michigan, New Hampshire, New Jersey, North Carolina, Ohio, Oregon, South Carolina, Tennessee, Texas and Virginia. Program availability and loan limits vary by state and borrower profile, so figures on these pages are maximums and qualification may differ.

## About LendFriend

- [Home](https://www.lendfriendmtg.com): Overview of the brokerage and its conventional, jumbo, VA and Non-QM loan programs.
- [Why LendFriend](https://www.lendfriendmtg.com/why-lendfriend): How a broker with 40+ lenders differs from a bank, and who the firm serves.
- [Our Team](https://www.lendfriendmtg.com/our-team): The loan officers, led by Eric Bernstein, and their areas of focus.
- [Reviews](https://www.lendfriendmtg.com/reviews): Customer reviews from borrowers across the country.
- [14-Day Close](https://www.lendfriendmtg.com/14-day-close): How qualified jumbo and Non-QM borrowers may close in 14 days or less.
- [Rate Quote](https://www.lendfriendmtg.com/rate-quote): Request a purchase or refinance quote.

## Jumbo Non-QM Loans

- [Jumbo Loans](https://www.lendfriendmtg.com/jumbo-loans): Jumbo loan options for higher-value homes and complex financial profiles.
- [Non-QM Loans](https://www.lendfriendmtg.com/non-qm): Non-QM programs for business owners, investors, retirees and high-net-worth borrowers.
- [Jumbo Asset Depletion Loans](https://www.lendfriendmtg.com/jumbo-asset-depletion-loans): Qualify on liquid assets instead of income, with loan amounts up to $10 million.
- [Jumbo Bank Statement Loans](https://www.lendfriendmtg.com/jumbo-bank-statement-loans): Loans up to $7 million for business owners who qualify on bank deposits instead of tax returns.
- [Jumbo No-Ratio Loans](https://www.lendfriendmtg.com/jumbo-no-ratio-loans): Primary residence loans up to $4 million with no debt-to-income ratio, based on real estate equity, credit and reserves.
- [Jumbo Crypto Mortgages](https://www.lendfriendmtg.com/jumbo-crypto-mortgages): Loans up to $5 million for Bitcoin and Ethereum holders, with no collateralization or forced sale of tokens.
- [Jumbo Cash-Out Refinance](https://www.lendfriendmtg.com/jumbo-cash-out-refinance): Access equity in a high-value home through conventional, VA or Non-QM programs.

## Non-QM Loan Programs

- [Asset Depletion Mortgage](https://www.lendfriendmtg.com/asset-depletion): Cash, investment and retirement accounts are converted into qualifying income, with no W-2s or tax returns.
- [Bank Statement Loans](https://www.lendfriendmtg.com/bank-statement-loans): Self-employed borrowers qualify on business or personal bank deposits.
- [No-Ratio Loans](https://www.lendfriendmtg.com/no-ratio-loans): Primary residence purchase, refinance or cash-out with no tax returns or debt-to-income calculation.
- [DSCR Loans](https://www.lendfriendmtg.com/dscr): Investment property loans that qualify on the property's rental income.
- [Crypto Mortgages](https://www.lendfriendmtg.com/crypto-backed-mortgages): Qualify with Bitcoin or Ethereum holdings without selling or pledging the tokens.
- [RSU Mortgages](https://www.lendfriendmtg.com/rsu-mortgages): How restricted stock unit income may count toward mortgage qualification.
- [Self-Employed Mortgages](https://www.lendfriendmtg.com/self-employed-home-loans): Loan options for business owners whose tax returns understate their income.
- [1099 Mortgages](https://www.lendfriendmtg.com/1099-mortgages): Qualification based on 1099 income for independent contractors.
- [P&L Mortgage Loans](https://www.lendfriendmtg.com/p-l-mortgage-loans): Qualification from a CPA-prepared profit and loss statement.
- [Retirement Mortgages](https://www.lendfriendmtg.com/retirement-loans): Loans for retirees using Social Security, pensions and retirement assets.
- [Relocation Mortgages](https://www.lendfriendmtg.com/relocation-mortgages): Financing for employees moving for work, including offer-letter qualification and remote closings.

## VA and Conventional Loans

- [VA Loans](https://www.lendfriendmtg.com/va): Zero-down home loans for eligible veterans and service members.
- [VA Jumbo Loans](https://www.lendfriendmtg.com/va-jumbo-loans): VA financing above conforming limits with no down payment and no monthly mortgage insurance.
- [VA Cash-Out Refinance](https://www.lendfriendmtg.com/va-cash-out-refinance): Requirements, maximum loan-to-value, funding fees and closing costs.
- [VA Jumbo Cash-Out Refinance](https://www.lendfriendmtg.com/va-jumbo-cash-out-refinance): Cash-out refinancing for high-value homes, up to 100% loan-to-value.
- [Conventional Loans](https://www.lendfriendmtg.com/conventional): Rates, requirements and down payments from 3%.
- [All Loan Options](https://www.lendfriendmtg.com/loan-options): Summary of every purchase and refinance program offered.

## State Pages

- [Texas](https://www.lendfriendmtg.com/texas-loans): Loan programs for Texas borrowers.
- [California](https://www.lendfriendmtg.com/california-loans): Loan programs for California borrowers.
- [Florida](https://www.lendfriendmtg.com/florida-loans): Loan programs for Florida borrowers.
- [Colorado](https://www.lendfriendmtg.com/colorado-home-loans): Loan programs for Colorado borrowers.
- [Connecticut](https://www.lendfriendmtg.com/connecticut-loans): Loan programs for Connecticut borrowers.
- [Georgia](https://www.lendfriendmtg.com/georgia-home-loans): Loan programs for Georgia borrowers.
- [Idaho](https://www.lendfriendmtg.com/idaho-home-loans): Loan programs for Idaho borrowers.
- [Illinois](https://www.lendfriendmtg.com/illinois-loans): Loan programs for Illinois borrowers.
- [Maryland](https://www.lendfriendmtg.com/maryland-home-loans): Loan programs for Maryland borrowers.
- [Michigan](https://www.lendfriendmtg.com/michigan-home-loans): Loan programs for Michigan borrowers.
- [New Hampshire](https://www.lendfriendmtg.com/new-hampshire-home-loans): Loan programs for New Hampshire borrowers.
- [New Jersey](https://www.lendfriendmtg.com/new-jersey-mortgage-broker): Loan programs for New Jersey borrowers.
- [North Carolina](https://www.lendfriendmtg.com/north-carolina-loans): Loan programs for North Carolina borrowers.
- [Ohio](https://www.lendfriendmtg.com/ohio-loans): Loan programs for Ohio borrowers.
- [Oregon](https://www.lendfriendmtg.com/oregon-home-loans): Loan programs for Oregon borrowers.
- [South Carolina](https://www.lendfriendmtg.com/south-carolina-loans): Loan programs for South Carolina borrowers.
- [Tennessee](https://www.lendfriendmtg.com/tennessee-loans): Loan programs for Tennessee borrowers.
- [Virginia](https://www.lendfriendmtg.com/virginia-home-loans): Loan programs for Virginia borrowers.

## Guides

- [What Are Non-QM Loans?](https://www.lendfriendmtg.com/learning-center/non-qm-loans): Plain-language explanation of Non-QM lending and who it serves.
- [Best Non-QM Lenders](https://www.lendfriendmtg.com/learning-center/best-non-qm-lenders): Comparison of Non-QM lenders for 2026.
- [Best Mortgage Lenders for Asset Depletion Loans](https://www.lendfriendmtg.com/learning-center/best-mortgage-lenders-for-asset-depletion-loans): Comparison of asset depletion lenders for high-net-worth borrowers.
- [Asset Depletion Mortgage Requirements](https://www.lendfriendmtg.com/learning-center/asset-depletion-mortgage-requirements): Eligible assets, the income calculation, credit and down payment requirements.
- [Best Bank Statement Loan Lenders](https://www.lendfriendmtg.com/learning-center/best-bank-statement-loan-lenders-in-2026): Comparison of bank statement loan lenders for self-employed borrowers.
- [Bank Statement Loan Requirements](https://www.lendfriendmtg.com/learning-center/bank-statement-loan-requirements): Credit scores, down payments and how deposits are counted as income.
- [Best DSCR Loan Lenders](https://www.lendfriendmtg.com/learning-center/best-dscr-loan-lenders): Comparison of DSCR lenders for rental and investment properties.
- [DSCR Loan Requirements](https://www.lendfriendmtg.com/learning-center/dscr-loan-requirements-in-2026): Credit scores, DSCR ratios and state-specific rules.
- [Best No-Ratio Loan Lenders](https://www.lendfriendmtg.com/learning-center/6-best-no-ratio-loan-lenders): Comparison of no-ratio lenders for borrowers who cannot qualify on debt-to-income.
- [Best Crypto Mortgage Lenders](https://www.lendfriendmtg.com/learning-center/best-crypto-backed-mortgage-lenders-for-2026): Comparison of lenders that let borrowers buy a home without selling crypto holdings.
- [Best Mortgage Lenders for VA Jumbo Loans](https://www.lendfriendmtg.com/learning-center/best-mortgage-lenders-for-va-jumbo-loans): Comparison of VA jumbo lenders on rates, fees, loan limits and closing speed.
- [Asset Depletion vs Bank Statement Loans](https://www.lendfriendmtg.com/learning-center/asset-depletion-vs-bank-statement-loans): How to choose between the two for a jumbo mortgage without tax returns.
- [Asset Depletion vs. No-Ratio Loans](https://www.lendfriendmtg.com/learning-center/asset-depletion-vs.-no-ratio-loans): Qualification and pricing differences for asset-rich borrowers.
- [What to Do When Your Jumbo Loan Is Denied](https://www.lendfriendmtg.com/learning-center/jumbo-loan-denied): Next steps after a jumbo loan denial while under contract, including Non-QM alternatives a broker may arrange before the contract is cancelled.
- [Asset Depletion Cash-Out Refinances](https://www.lendfriendmtg.com/learning-center/cash-out-refinance-using-only-home-equity-how-homeowners-with-limited-income-are-accessing-millions-without-selling-their-property): How equity-rich homeowners with limited income may use an asset depletion mortgage for a cash-out refinance.
- [Mortgage Brokers vs. Banks](https://www.lendfriendmtg.com/learning-center/mortgage-brokers-vs.-banks-who-really-gets-you-the-best-deal): How broker and bank pricing and terms compare.

## Optional

- [Learning Center](https://www.lendfriendmtg.com/learning-center): Full library of mortgage guides and articles.
- [Calculators](https://www.lendfriendmtg.com/calculators): Payment, affordability, refinance, DSCR and asset depletion calculators.
- [Current Mortgage Rates](https://www.lendfriendmtg.com/rates): National rate averages and rate alert sign-up.
- [Mortgage Resources](https://www.lendfriendmtg.com/mortgage-resources): Index of tools, guides and loan options.