Overview

Independent Home Loans is a residential mortgage broker that provides home loan options across purchase, refinance, and reverse mortgages. It works through wholesale lending channels to access lender rates and offers products including Conventional, FHA, USDA, VA, QM and Non-QM. The company emphasizes direct access to underwriters and processors and uses technology to streamline the loan process for faster, easier closings. Unlike retail banks, it aims for lower rates and greater transparency by avoiding hidden fees and backend points, with a pricing model and service designed to be straightforward and fully disclosed. Its goal is to deliver affordable loans with clear terms and responsive service, backed by licenses to operate in multiple states including UT, CA, TX, WA, CO and FL.