Business Details
8 Years
experience
Your Trusted Mortgage Partner in Suwanee, GA
Founded in 2018, My Lending Pal has established itself as a trusted partner in mortgage financing. Our team of seasoned professionals brings decades of combined experience in guiding clients through the complexities of home buying and refinancing. We specialize in simplifying the mortgage process through personalized service, competitive rates, and a streamlined digital experience. Our expertise spans conventional, FHA, VA, USDA, jumbo, and renovation loans, tailored to meet diverse financial situations. With a client-centric approach, we prioritize education and transparency, empowering clients to make informed decisions. Our commitment to excellence is reflected in our 98% client satisfaction rate and numerous testimonials praising our responsive communication and problem-solving skills.Backed by advanced technology and industry partnerships, we ensure every client receives customized solutions that align with their unique goals. Our team's deep understanding of evolving mortgage regulations and market conditions allows us to navigate challenges efficiently. We maintain rigorous compliance standards while delivering service that consistently exceeds expectations. This combination of technical expertise and personalized care has positioned us as a preferred mortgage provider in the communities we serve.
Services
Conventional Mortgage
FHA Mortgage
VA Mortgage
USDA Mortgage
Jumbo Mortgage
Renovation Mortgage
Details
- Year established: 2018
Highlights and features
- We offer personalized mortgage solutions tailored to unique financial situations
- Our team maintains a 98% client satisfaction rate through responsive service
- We provide access to multiple loan programs including conventional, FHA, and VA options
- Our streamlined digital process reduces closing times by 30% industry average
- We guarantee transparent pricing with no hidden fees or surprises
What people say
Truly care about their clients
Knowledgeable and professional
Great homebuying experience
Positive people
Responsive communication
Services
Conventional Mortgage
Conventional mortgages offer flexible terms for borrowers with strong credit profiles. These loans require private mortgage insurance for down payments under 20%. Ideal for purchasing or refinancing primary residences, investment properties, or second homes. Our conventional loan specialists help clients navigate different term options and down payment requirements to find optimal solutions.
FHA Mortgage
FHA loans provide low down payment options for first-time homebuyers with moderate credit scores. Backed by the Federal Housing Administration, these mortgages require mortgage insurance premiums but offer more lenient qualification standards. Our team specializes in helping clients understand FHA loan requirements and maximize their benefits while minimizing costs.
VA Mortgage
VA loans offer zero down payment options for eligible military personnel and veterans. These government-backed mortgages include competitive rates and no private mortgage insurance requirements. Our VA loan specialists guide clients through the certification process and help maximize their entitlement while ensuring compliance with VA appraisal standards.
USDA Mortgage
USDA loans provide 100% financing for homes in designated rural areas. These government-backed mortgages include income eligibility requirements and property location restrictions. Our specialists help clients determine eligibility, navigate the application process, and understand the unique benefits of USDA loan programs for qualified applicants.
Jumbo Mortgage
Jumbo mortgages finance properties exceeding conventional loan limits. These loans require strong credit profiles, larger down payments, and thorough financial documentation. Our jumbo loan experts work with clients to structure competitive offers while maintaining compliance with evolving underwriting standards for high-value property transactions.
People
Ricky Merchant
President
Ricky Merchant leads My Lending Pal with 15+ years of mortgage industry experience. He specializes in strategic loan program development and maintains key lender relationships that benefit clients through competitive rate offerings.
Shabnam Merchant
Chief Financial Officer
Shabnam Merchant oversees financial operations and compliance. With a decade of mortgage finance experience, she ensures transparent pricing structures and maintains the company's commitment to ethical lending practices.
Milan Merchant
Vice President
Milan Merchant manages daily operations and underwriting processes. His technical expertise in mortgage software systems helps maintain the company's industry-leading 30-day average closing timeline.
Betty Castillo
Loan Officer Assistant
Betty Castillo supports clients through the documentation process. With 8 years of mortgage administration experience, she ensures smooth communication between borrowers, underwriters, and closing teams.
Questions
What mortgage programs do you offer?
We offer conventional, FHA, VA, USDA, jumbo, and renovation mortgages to meet diverse client needs.
How does your mortgage process work?
Our six-step process includes documentation, appraisal, underwriting, conditional approval, clear to close, and final closing.
Do you offer refinancing options?
Yes, we provide cash-out, rate-and-term, and streamline refinancing solutions tailored to financial goals.
What credit score do I need for a mortgage?
Minimum credit score requirements vary by loan type, ranging from 580 for FHA to 620 for conventional loans.
How much down payment is required?
Down payment requirements vary from 0% (VA) to 20% (conventional) depending on loan program and qualifications.
What documents are needed to apply?
Typical requirements include ID, pay stubs, tax returns, bank statements, and employment verification.
