Flexible LEnding Solutions that Work for You
From homeownership to investment, Hillstone Lending delivers fast, transparent, and flexible loan solutions for every stage of your journey.
Offerred Programs
Explore our range of
Loan Programs
Purchase Loans
Secure the financing you need to buy a primary residence, second home, or investment property.
Purchase Loans
Secure the financing you need to buy a primary residence, second home, or investment property.
Purchase Loans
Secure the financing you need to buy a primary residence, second home, or investment property.
Refinance Loans
Lower your rate, shorten your term, or tap into equity with customized refinance solutions.
Refinance Loans
Lower your rate, shorten your term, or tap into equity with customized refinance solutions.
Refinance Loans
Lower your rate, shorten your term, or tap into equity with customized refinance solutions.
Equity Lines of Credit
Access flexible credit using your home’s equity — borrow what you need, when you need it.
Equity Lines of Credit
Access flexible credit using your home’s equity — borrow what you need, when you need it.
Equity Lines of Credit
Access flexible credit using your home’s equity — borrow what you need, when you need it.
DSCR Loans
Qualify based on rental income, not personal income — ideal for real estate investors.
DSCR Loans
Qualify based on rental income, not personal income — ideal for real estate investors.
DSCR Loans
Qualify based on rental income, not personal income — ideal for real estate investors.
Bank Statement Loans
Designed for self-employed borrowers using bank statements to verify income.
Bank Statement Loans
Designed for self-employed borrowers using bank statements to verify income.
Bank Statement Loans
Designed for self-employed borrowers using bank statements to verify income.
No Doc/Asset Based
Get approved based on your assets or property value, with little to no income documentation required.
No Doc/Asset Based
Get approved based on your assets or property value, with little to no income documentation required.
No Doc/Asset Based
Get approved based on your assets or property value, with little to no income documentation required.
Interest Rates
Current Loan PRogram Rates
Monthly payment examples below are for a loan amount of $350k. Taxes and insurance not included within the estimate; actual payment amount will be greater.
30 Year Fixed Conventional
Rate
X.XX%
APR
X.XX%
Monthly Payment
$X,XXX
Points
X.XXX
Apply
30 Year Fixed FHA
Rate
X.XX%
APR
X.XX%
Monthly Payment
$X,XXX
Points
X.XXX
Apply
30 Year Fixed VA
Rate
X.XX%
APR
X.XX%
Monthly Payment
$X,XXX
Points
X.XXX
Apply
15 Year Fixed Conventional
Rate
X.XX%
APR
X.XX%
Monthly Payment
$X,XXX
Points
X.XXX
Apply
15 Year Fixed FHA
Rate
X.XX%
APR
X.XX%
Monthly Payment
$X,XXX
Points
X.XXX
Apply
15 Year Fixed VA
Rate
X.XX%
APR
X.XX%
Monthly Payment
$X,XXX
Points
X.XXX
Apply
Who We Are
Redefining The Mortgage Experience
At Hillstone Lending, we simplify the lending process with expert guidance, competitive rates, and tailored solutions — whether you're buying, refinancing, or investing. Our team is committed to fast approvals, clear communication, and financial empowerment.
200
+
Loans Funded
200
+
Loans Funded
200
+
Loans Funded
100
+
Happy Clients
100
+
Happy Clients
100
+
Happy Clients
90
%
Closing Rate
90
%
Closing Rate
90
%
Closing Rate
90
%
Client Retention Rate
90
%
Client Retention Rate
90
%
Client Retention Rate
Our Vision
To redefine how people experience lending by making mortgages simpler, faster, and more empowering for every client.
Our Vision
To redefine how people experience lending by making mortgages simpler, faster, and more empowering for every client.
Our Vision
To redefine how people experience lending by making mortgages simpler, faster, and more empowering for every client.
Our Mission
To deliver clear, personalized lending solutions through expert guidance, smart technology, and a relentless focus on service.
Our Mission
To deliver clear, personalized lending solutions through expert guidance, smart technology, and a relentless focus on service.
Our Mission
To deliver clear, personalized lending solutions through expert guidance, smart technology, and a relentless focus on service.
Meet Our Team
Personalized Guidance, Proven Expertise
FirstName LastName
Chief Executive Officer
FirstName LastName
Chief Financial Officer
FirstName LastName
Chief Operating Officer
FirstName LastName
Chief Executive Officer
FirstName LastName
Chief Financial Officer
FirstName LastName
Chief Operating Officer
FirstName LastName
Chief Executive Officer
FirstName LastName
Chief Financial Officer
FirstName LastName
Chief Operating Officer
FirstName LastName
Chief Executive Officer
FirstName LastName
Chief Financial Officer
FirstName LastName
Chief Operating Officer
What Our Clients Say
Trusted by Homebuyers, Investors & Agents
Our clients count on Hillstone Lending for speed, clarity, and results. From first-time buyers to experienced investors, we make the mortgage process smooth, transparent, and empowering — every step of the way.
Hillstone helped me close on my first home way faster than I expected. They broke everything down clearly and made me feel totally confident.
Mike Harrington
First-Time Buyer
Hillstone helped me close on my first home way faster than I expected. They broke everything down clearly and made me feel totally confident.
Mike Harrington
First-Time Buyer
Hillstone helped me close on my first home way faster than I expected. They broke everything down clearly and made me feel totally confident.
Mike Harrington
First-Time Buyer
As a real estate investor, I’ve worked with a lot of lenders — Hillstone is hands down the most responsive and flexible. DSCR loan went through without a hitch.
Logan Price
Real Estate Investor
As a real estate investor, I’ve worked with a lot of lenders — Hillstone is hands down the most responsive and flexible. DSCR loan went through without a hitch.
Logan Price
Real Estate Investor
As a real estate investor, I’ve worked with a lot of lenders — Hillstone is hands down the most responsive and flexible. DSCR loan went through without a hitch.
Logan Price
Real Estate Investor
I’m self-employed, so getting approved for a mortgage has always been tough. The bank statement loan through Hillstone was a game changer.
Aria Sullivan
Digital Nomad
I’m self-employed, so getting approved for a mortgage has always been tough. The bank statement loan through Hillstone was a game changer.
Aria Sullivan
Digital Nomad
I’m self-employed, so getting approved for a mortgage has always been tough. The bank statement loan through Hillstone was a game changer.
Aria Sullivan
Digital Nomad
Hillstone’s team worked weekends to get my offer accepted with a rock-solid pre-approval. Seriously impressive service.
Grace Powell
Financial Consultant
Hillstone’s team worked weekends to get my offer accepted with a rock-solid pre-approval. Seriously impressive service.
Grace Powell
Financial Consultant
Hillstone’s team worked weekends to get my offer accepted with a rock-solid pre-approval. Seriously impressive service.
Grace Powell
Financial Consultant
They didn’t just give me a loan — they gave me peace of mind. The process was fast, stress-free, and actually kind of enjoyable.
Scarlett Mitchell
Event Planner
They didn’t just give me a loan — they gave me peace of mind. The process was fast, stress-free, and actually kind of enjoyable.
Scarlett Mitchell
Event Planner
They didn’t just give me a loan — they gave me peace of mind. The process was fast, stress-free, and actually kind of enjoyable.
Scarlett Mitchell
Event Planner
I was skeptical about refinancing, but Hillstone walked me through the options and helped me save over $400/month. Total pros.
Samuel Brooks
Interior Designer
I was skeptical about refinancing, but Hillstone walked me through the options and helped me save over $400/month. Total pros.
Samuel Brooks
Interior Designer
I was skeptical about refinancing, but Hillstone walked me through the options and helped me save over $400/month. Total pros.
Samuel Brooks
Interior Designer
Help Center
Frequently asked questions
What types of loans do you offer?
We offer a full range of mortgage products, including conventional, FHA, VA, DSCR, bank statement, HELOCs, and no-doc/asset-based loans.
How much can I borrow?
Your loan amount depends on your credit profile, income, debts, assets, and the property type. We’ll help you calculate your max eligibility during a free consultation.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on what you tell us; pre-approval is verified and stronger, it's what sellers look for when evaluating offers.
How long does the loan process take?
Most loans close in 15–30 days, depending on the complexity of the file. Fast-track options are available for certain loan types
Do you offer investment property financing?
Absolutely. We offer DSCR loans, short-term rental financing, and portfolio loan options that don't require personal income verification.
What’s the minimum credit score required? do I choose the right property to invest in?
We work with a wide range of borrowers, some programs go down to 580 or even lower with compensating factors. Better credit = better rates.
How do I lock in a rate?
Once you're pre-approved, we can lock your rate at any point during the loan process to protect you from market changes.
Do you offer investment property financing?
Absolutely. We offer DSCR loans, short-term rental financing, and portfolio loan options that don't require personal income verification.
What types of loans do you offer?
We offer a full range of mortgage products, including conventional, FHA, VA, DSCR, bank statement, HELOCs, and no-doc/asset-based loans.
How much can I borrow?
Your loan amount depends on your credit profile, income, debts, assets, and the property type. We’ll help you calculate your max eligibility during a free consultation.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on what you tell us; pre-approval is verified and stronger, it's what sellers look for when evaluating offers.
How long does the loan process take?
Most loans close in 15–30 days, depending on the complexity of the file. Fast-track options are available for certain loan types
Do you offer investment property financing?
Absolutely. We offer DSCR loans, short-term rental financing, and portfolio loan options that don't require personal income verification.
What’s the minimum credit score required? do I choose the right property to invest in?
We work with a wide range of borrowers, some programs go down to 580 or even lower with compensating factors. Better credit = better rates.
How do I lock in a rate?
Once you're pre-approved, we can lock your rate at any point during the loan process to protect you from market changes.
Do you offer investment property financing?
Absolutely. We offer DSCR loans, short-term rental financing, and portfolio loan options that don't require personal income verification.
What types of loans do you offer?
We offer a full range of mortgage products, including conventional, FHA, VA, DSCR, bank statement, HELOCs, and no-doc/asset-based loans.
How much can I borrow?
Your loan amount depends on your credit profile, income, debts, assets, and the property type. We’ll help you calculate your max eligibility during a free consultation.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on what you tell us; pre-approval is verified and stronger, it's what sellers look for when evaluating offers.
How long does the loan process take?
Most loans close in 15–30 days, depending on the complexity of the file. Fast-track options are available for certain loan types
Do you offer investment property financing?
Absolutely. We offer DSCR loans, short-term rental financing, and portfolio loan options that don't require personal income verification.
What’s the minimum credit score required? do I choose the right property to invest in?
We work with a wide range of borrowers, some programs go down to 580 or even lower with compensating factors. Better credit = better rates.
How do I lock in a rate?
Once you're pre-approved, we can lock your rate at any point during the loan process to protect you from market changes.
Do you offer investment property financing?
Absolutely. We offer DSCR loans, short-term rental financing, and portfolio loan options that don't require personal income verification.
Get in Touch
Let’s Make Your Mortgage Process Simple
Whether you’re buying your first home, refinancing, or investing, our team is here to guide you with clear answers and fast pre-approvals. Let’s build your loan plan today.
