We are a mortgage company which means we provide loans to purchase a home, refinance the one you have, or use your home’s equity through a reverse mortgage. We have loans for first-time homeowners, Veterans, city-dwellers, suburbanites and those in rural communities. We offer fixed-rate loans, ARMs, Hybrids and Jumbos loans along with many other products.

Our Reverse Mortgage offers you additional monthly income for the rest of your life—allowing you to delay tapping into Social Security benefits, all while maintaining the standard of living you’ve worked so hard your entire life to achieve. You can use proceeds from a Reverse Mortgage for home repairs or renovations and to help with healthcare costs.

Mortgage companies, as banks, have a corporate location and also operate through our branch offices. Our branches are led by Branch Managers. Branch Managers oversee their staff of Loan Officers. You will work with either a Branch Manager or Loan Officer to get your loan or refinance.

Catalyst Lending offers in-house loan processing, underwriting and funding. Why is this important? Your peace-of-mind is assured because we control the transaction process from start to finish.

Review our Path-To-Ownership process to see more information about how the loan process works

Take a look at what our clients say about working with us and how happy our employees are.

We have branches in most of the Western United States. Click here to take a look.

This might sound like a typical response: “every loan is different”, but every loan IS different. We work diligently to close your loan within your timeframe. We are detail‐oriented, timely and unquestionably dedicated. However, you also play a large role in the speed‐to‐closing by being responsive to requests for information. That said, we’ve seen loans take as little as 8 days from application to closing, but most loans take longer.

We strive to have your final underwriting approval in hand well in advance of your closing because no matter how fun and nice we are, no one wants to spend an inordinate amount of time on their mortgage.

We respect how hard you have worked for all you’ve achieved, how valuable your time is and how much of an impact this purchase or refinance will make on your life for years to come.

What is a mortgage rate and how is it determined?
A mortgage rate is the interest rate on a loan to purchase a house. Here are seven factors that affect your interest rate:

1. Credit score. Your credit score is a number that lenders use to help predict how reliable you'll be in paying off your loan.
2. Home location because rates vary from city to city and state to state.
3. Home price and loan amount. Your home price minus your down payment is the amount you’ll have to borrow for your mortgage loan.
4. Down payment. In general, a higher down payment means a lower interest rate, because lenders see a lower level of risk when you have more stake in the property. So if you can put 20 percent or more down, do it—you could get a lower interest rate.
5. Loan term. This is how long you will have to pay off the loan.
6. Interest rate type. Usually considered a fixed or variable interest rate.
7. Loan type. Here are the various loans offered by Catalyst Lending.

Source: https://www.consumerfinance.gov/about-us/blog/7-factors-that-determine-your-mortgage-interest-rate/

Mortgage interest rates, or home mortgage and refinance rates change constantly. Talk to one of our Branch Managers about today’s mortgage rates.
 

We will need things like bank statements and paystubs. Here’s a checklist of everything we need in order to process your loan. Depending on your situation we may need additional items. All the information you provide Catalyst Lending is securely protected.

You can simply fill out this form and a Branch Manager or Loan Officer will contact you. Or you can find a branch near you and contact them.

You can check on the status on active loan that is in process, or view messages from your originator by clicking here.

PRINTABLE FORMS

• Uniform Residential Loan Application
• Solicitud Uniforme para Préstamo Hipotecario Residencial
• Borrower's Certification and Authorization
• 4506-T Request for Transcript of Tax Return URL
• Consumer Handbook on Adjustable Rate Mortgages (ARM)
• HUD Settlement Costs Booklet
• Good Faith Estimate
• Mortgage Loan Disclosure Statement/Good Faith Estimate