Alan Ben-Porat

Based in Los Angeles, this mortgage lending business helps people finance home purchases and access equity in their homes. It offers home loans, refinancing to adjust loan terms or reduce payments, and home equity lines of credit or cash-out options. Customers can apply by phone and work with a dedicated loan advisor, with communication available by text, call, or email seven days a week. The application process includes a no-impact credit check and does not require a commitment to explore options. The business also says it charges no lending fees for eligible purchase or refinance transactions and offers a later opportunity to lower a rate after financing.