Levias Lending LLC

Our team of experts will assist you through each stage, starting from the application process until the closing.

Frequently asked general questions

Do I need to have great credit to get a mortgage?

Not necessarily. Typically the minimum credit score to get a conventional loan is 620 and the score can be as low as 600 to obtain an FHA loan with some lenders. Having low credit scores will come with challenges and lots of explaining to the lender. My recommendation is to have a 640 credit score. Paying your revolving credit down to 30% of the balance and making sure you have good credit history before applying can be helpful in improving your credit score. Try this before you consult a credit repair company.

You can get a conventional loan with as low as 3 percent down, an FHA loan with 3.5 percent down and a VA and USDA loan with no money down at all. However, it is important to know that the lower your down payment the more expensive the loan. Be prepared to private mortgage insurance on a loan with a down payment less that 20%. Despite that these loans are a great way to get into your first home.

Great Question! If you are employed by a company be prepared to provide the following: Income (last 2 years W2s, 2 recent pay stubs) Assets (2 months bank statements all pages even is the last one is blank) If the money is not coming from your personal assets make sure to specify where it will be coming from. i.e gift from family, retirement account, bonus from company. If you are self employed: 2 years tax returns and 1099s. Year to date p&l and 3 months bank statements. The lender will also need an application from you. So be sure to apply and be as accurate as possible in your application. Avoiding inaccuracies and errors is extremely important and can help you to obtain a clean and hassle free loan approval.

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Our Customers


I’ve know Stephen for about 2 1/2 years. He has helped me with 2 home purchases and 1 home refinance. I love his attitude, he comes from the mindset of educating his clients and helping them to find the best solutions for what there trying to achieve.

Michael Faust

Stephen has been a great partner in supporting us with our first purchase in California. He is extremely knowledgeable and he was with us every step of the way in making sure we got the best rate possible in this highly aggressive and competitive market.

lokesh choudhary

Extremely professional, we have been working with this company over the years. I also recommend them to my next door neighbor that’s how good our experience had been. Looking forward to working more in the future as well. Two thumbs up!!!!

Darrion Webb

Stephen helped my wife and I go through the process of purchasing our first home. Not only was he responsive and kind, he also got us an amazing interest rate on the house (much better than any other rates we were offered before going with Stephen).