The Most Efficient and Effortless Home Loan Experience in The Industry

Whether your needs include a purchase or refinance home loan, finding the best debt consolidation loan, or working through credit problems, you’re in the right place.

Refinancing a Home Loan

Are you a highly qualified long-time homeowner looking to refinance with the best rate and term or looking for a fast way to exchange some of your home’s equity for a cash purchase? We have a solution.

The Best Debt Consolidation Loans and Programs

Maybe you’re sick of just barely making ends meet. Maybe you’d like to have a little left each month for savings or a little spending money. If you’re looking for debt consolidation programs to decrease the amount you pay to bills each month, contact us.

Need Help Managing Your Credit?

First Direct Lending welcomes clients who have credit challenges. Have you been turned down or only offered a high-interest loan by another lender because of current or past credit challenges? We provide loan solutions for borrowers with credit scores as low as 500, and can show you how to work toward a future of financial stability.

Received Mail?

We've done our homework and we think you already have what it takes to qualify.

Fields marked with a * are required

We take our customers and their financial needs seriously.

Whether your needs include a purchase or refinance home loan, finding the best debt consolidation loan, or working through credit problems, you’re in the right place. First Direct Lending’s simplified home loan and refinance process and industry-leading close time makes getting a loan with us simple, easy, and fast . . . seriously.

  • Seriously Simple . . . using our simplified online lending solutions, you’ll experience the lowest-effort, most-efficient loan application and approval experience available from any lender, anywhere.
  • Seriously Easy . . . Talk with one of our friendly, expert refinance and home loan consultants—it’s easy and it’s like having a friend in the business.
  • Seriously Fast . . . How fast? In five minutes you’ll know which loan is right for you. In two hours you’ll have a pre-approval. On average your loan will close within 30 days. Just take a look at the First Direct Lending Performance chart!

First Direct Lending Refinance Performance


Fund in 25-days or less


Underwritten in house


Fund in 30-days or less.


Delegated authority and turn times are less than 24 hours.

Rating: 5 out of 5 First Direct Lending

I want to share my recent amazing experience with the First Direct Lending Team. From beginning to end it was completely awesome!!! My wife and I had unfortunately experienced some family hardships which directly impacted our financial obligations, which in turn negatively impacted our credit so we never imagined that we'd ever be able to refinance our home mortgage to a lower rate. From the first time we spoke, it was like we were already long time friends reconnecting. Our Loan Consultant completely and thoroughly explained our plan and not only was he able to refinance us into a much lower rate, but he and the First Direct Lending Team were able to also pay off our 2nd mortgage AND get us some cash for the holidays in a vert short time!! The First Direct Lending Team delivered 110%!! All the Best and we will DEFINITELY use them again for any mortgage needs and will HIGHLY recommend them to all my friends and family!!!

North Carolina

Who told you it’s hard to get a loan?
Getting a loan can be easy …seriously!

Other companies display their Best rates. We all know not everyone has the BEST credit, or the BEST income, or the BEST employment, or the BEST home equity. We don’t just work with the BEST scenario customers. We work with everyone in every situation. And guess what? We’re the BEST at it!

At First Direct Lending, we use the word “easy” a lot. We like straight-talk and easy words (see what we did there?) to get the point across. Check the thesaurus – “easy” covers our service goals! First Direct makes the mortgage process:

  • Accessible
  • Straightforward
  • Simple
  • Smooth
  • Uncomplicated
  • A cinch

We could go on, but you get the point. First Direct makes your life EASY!

We're Growing!
First Direct Lending has a motto, “Growth Happens Here Every Day,” and we’re looking for extraordinary people who want to grow their careers with our fun, fast-paced, and enthusiastic company. Visit our careers page to see our open positions.