Pro Lending LLC

NMLS#

51709

About

Pro Lending LLC

Hello, welcome to my page. David Orsinger has lived in Iowa most of his life. He is a Mortgage Loan Specialist with over 20 years of experience. He aims to find the best loan options for clients looking to purchase a new home, second home, investment property, or refinance their existing mortgage. David specializes in various residential home financing types, including Conventional, FHA, VA, USDA, construction, and HECM loans. His team handles the entire loan process, from start to finish, in-house. David provides credit advice and can assist with financing needs in most states. Testimonials commend his excellent customer service, honesty, and dedication. The loan process involves pre-approval, shopping for properties, loan application, processing, underwriting, and closing.

Loan programs at

Pro Lending LLC

- Conventional Loan: A type of mortgage loan that follows the guidelines set by Fannie Mae and Freddie Mac.

- FHA Loan: A government-backed loan insured by the Federal Housing Administration, typically requiring a lower down payment.

- VA Loan: A loan program for eligible veterans, active-duty service members, and surviving spouses, offering favorable terms with no down payment requirement.

- USDA Loan: A loan program for rural and suburban homebuyers, backed by the United States Department of Agriculture, with low to no down payment options.

- Construction Loan: Financing for custom-built homes or major renovations, providing funds at different stages of the construction process.

- HECM (Home Equity Conversion Mortgage): A reverse mortgage program that allows homeowners aged 62 and older to convert their home equity into cash.

- Rate & Term Refinance: Refinancing an existing loan for the purpose of obtaining a better interest rate or adjusting the loan's term.

- Cash-Out Refinance: Refinancing that allows homeowners to tap into their home equity by borrowing more than the outstanding balance on their current mortgage.

- Debt Consolidation Refinance: Refinancing to consolidate multiple debts into a single mortgage payment, often resulting in a lower overall monthly payment.

- Term Reduction Refinance: Refinancing to shorten the loan term and pay off the mortgage faster, potentially saving on interest payments.

- PMI Reduction or Elimination: Loan programs available to reduce or eliminate the need for Private Mortgage Insurance (PMI).