940+ 5-Star Reviews on Google and Experience.com
Together,
Helping You to
Buy. Save. Grow.
What Can We Help You With?
To Buy a Home
Let us help you navigate through different mortgage options and personalized support.
Refinance My Mortgage
Lower your interest rate, access extra funds with our refinancing solutions.
Buy Investment Property
Discover our wealth-building mortgage solutions for profitable investments.
To Get Home Equity
Leverage your home’s equity for renovations, investments, or other financial needs.
About Loankea
We’re the first to bring together complex mortgage solutions in a simple, streamlined online experience. Whether you’re looking to refinance at a super low rate, buy an investment property with no income verification, or get approved without W2s or tax returns — we’ve got you covered. Our fully digital process is designed for ease, clarity, and transparency from start to finish.
Our partners:
NYSE: UWMC
NYSE: PFSI
NYSE: RITM
NYSE: FLG
Single Point of Contact
From the initial conversation to the final funding, we’re committed to being with you throughout the process, ensuring everything goes smoothly.
Flexible Programs
We focus on understanding the full range of your goals and work diligently to deliver the most effective and tailored solutions available.
Focus on Relationship
Our goal is to be your trusted mortgage partner, supporting you every step of the way for long-term growth and financial success.
Higher Speed
On average, our clear-to-close time ranges from 7 to 15 business days, ensuring a quick and efficient process from start to finish.
Reliability
As licensed professionals with a proven track record of strong reviews, we are committed to providing exceptional service and expertise.
Support
We believe in providing continuous support even after your loan closes, assisting you with whatever comes next in your journey.
Popular Products and Offers
First-Time Home Buyer Mortgage
We offer access to a range of incentive programs designed to support those starting their journey into home ownership.
Self-Employed Mortgage Programs
Solutions tailored for business owners from sole proprietors to a large company owners to find you best and simple loan.
Bank Statement Loans
Competitive mortgage programs without Tax Returns, W2 or even 1099 requirements to simplify your qualification.
DSCR Loans
Qualify for an investment property loans with subject property cash flow and no personal income documentation at all.
Fix and Flip Mortgages
Get approved for investment property loans based on cash flow alone—no personal income documentation required.
Non Resident Mortgages
We provide the best mortgage solutions for foreign clients, even if they don’t have all the typical documentation required.
We Find Solutions
It is quite common for mortgage applications to get into a limbo due to lack of available solutions. We changed this approach. By using fintech infrastructure, we offer all unique mortgage products on the market available in one place.
We Bring Unique Values to Our Clients
How We Deliver Results
Discussing your goals is very important to get to a best mortgage loan
Register online and securely send requested documentation
Your mortgage loan officer provides you with the best options that you can choose
Cooperate on remaining documentation to get loan approved and cleared for closing
Customer Reviews
The purchase of our first home was more than successful thanks to Konstantin! His professionalism, care, and support at every stage made the process smooth and stress-free. Konstantin is a wonderful person to work with — very pleasant, attentive, and precise. Everything was handled quickly and accurately, without unnecessary “fluff,” which is so important when numbers are involved. He truly did everything in the best way possible. We are grateful for his work and happy to recommend him!
Excellent specialists, they did everything quickly and took all our needs into account. Thank you so much for your professionalism, understanding, and help in buying a home. Without you, our dream of owning a house by the ocean would have remained just a dream. I recommend this team to everyone.
Konstantin made the impossible possible! After four failed attempts with others, he was the one who finally helped me complete my refinancing. It took six months — from April to October — and thanks to his persistence and professionalism, I was able to save over $90,000. I only wish I had found him earlier — it would have saved me so much time and stress. Truly grateful for his dedication and ability to get things done!
Detailed guides and expert recommendations to help you understand the complexities of mortgage lending, prepare for the application process, and make the best possible choice. We have created these materials to make the home buying process clear and safe for you.
Get a Favorable Mortgage in a Few Steps!
Stay informed with expert tips, real estate trends, and mortgage advice tailored to every step of your journey. Whether you’re buying your first home, investing in property, or exploring financing options as a foreign national, our blog provides practical guidance, market updates, and insider knowledge to help you make smart, confident decisions. We break down complex topics into clear, actionable insights — so you can move forward with clarity and peace of mind.
The process typically starts with pre-approval, which can take just 1–2 days if you have your financial documents ready. Once your offer on a property is accepted and the full application is submitted, your file goes into underwriting. This is when the lender reviews your income, credit, assets, and other details. Underwriting can take a few days to a week and may involve follow-up questions or requests for clarification.
At Loankea, we do everything we can to keep the process smooth and fast — often achieving clear-to-close times of 7–15 business days post-contract, with most loans closing in 30 days or less.
You’ll typically need proof of income (pay stubs, W-2s, or tax returns), bank statements, identification, and details about your assets and debts. Self-employed borrowers may qualify using 12–24 months of bank statements instead of tax returns. Having these ready can significantly speed up pre-approval and underwriting.
For special cases: self-employed borrowers may provide profit & loss statements, DSCR loans use rental income, and foreign nationals may provide ITIN documentation.
The right loan depends on your credit score, income, down payment, and property type. Loankea’s experts review your situation and explain options like Conventional, FHA, VA, USDA, DSCR, and Non-QM loans, helping you choose the program that best meets your goals.
Yes. Pre-approval gives you a clear budget and strengthens your offer when you find a property. It also allows Loankea to identify the best loan program and interest rate for your financial profile before you start house hunting.
Pre-approval letters are generally valid for 60–90 days and can be renewed if your home search takes longer.
Yes. Options include state or lender-specific assistance programs, selecting the right loan type, and strategically timing your closing. Loankea’s team can review programs like down payment grants, CHFA initiatives, and other local incentives to help lower your upfront costs.
Mortgage Calculators to Plan Smarter
Explore your mortgage options with powerful, easy-to-use tools designed to help you make better financial decisions. Whether you’re calculating monthly payments, comparing loan types, estimating affordability, or planning for a refinance, our calculators give you a clear picture of what to expect. No guesswork, no complex math — just fast, reliable insights to guide your next move with confidence.
Comprehensive Mortgage Solutions From a Digital Provider
Looking for a simple and reliable way to get a mortgage? Our company offers modern digital tools that make the lending process convenient, fast, and transparent. We cater to those who value their time and want to secure favorable terms without unnecessary hassle.
Thanks to our innovative solutions, every client can:
- Calculate a mortgage with high precision.
- Identify the best loan product for their needs.
- Receive expert support at every stage.
For a truly modern experience, our platform allows you to complete your online mortgage application entirely from home. We focus on securing competitive mortgage rates and providing clear, detailed information about your future home loan.
Experience the efficiency of the digital home loan process, designed to minimize paperwork and accelerate your journey to homeownership. Getting a mortgage has never been easier!