Services
Experience excellence with our unparalleled services.
Exhale Lending is committed to delivering on-time, stress-free closings.
With traditional mortgage lenders and brokers, homebuyers typically need to pick between professionalism and advice, a stress free closing and competitive rates.
Our Services
Exhale Lending offers a complete suite of mortgage services, from pre-approvals to custom rate quotes and expert consultations, all designed to simplify your home-buying journey and get you into your new home faster, with confidence and ease.
Mortgage Brokerage
Access a wide range of mortgage lenders, Products and financing solutions tailored to meet your specific needs and situation.
Pre-Approvals
Gain confidence in your home-buying journey with a pre-approval. By understanding your affordability and budget, you can make stronger, more informed offers. Your real estate agent will appreciate it too.
Consultations and Planning
Friendly, jargon-free discussions to help you understand your mortgage options and plan your financial future effectively.
Rate Quotes
Whether you are purchasing or refinancing you can request one-off customized rate quotes, or sign up for automated rate quote notifications.
Refi-Tracking
Exhale will monitor and keep you informed about refinancing opportunities to ensure you never miss an opportunity to save even more.
Mortgage Types
Purchase Loans
Finance the purchase of a new home, vacation property, or investment property with tailored loan options.
Rate/Term Refinance Loans
Refinance your existing mortgage to secure a better rate or term, reducing your overall loan costs.
Cash-Out Refinance Loans
Tap into your home equity to obtain cash for other financial needs while refinancing your mortgage
Construction Loans
Finance the building of your new home with a loan designed for construction purposes.
Reverse Mortgages
Access the equity in your home if you’re a senior homeowner, providing additional financial flexibility in retirement.
Mortgage Products
Conventional Conforming Loans
Standard mortgages that meet Fannie Mae and Freddie Mac guidelines.
Jumbo Loans (Non-Conforming)
Loans for higher-priced properties that exceed conforming loan limits.
FHA, VA, and USDA Loans (Agency)
Government-backed loans with specific benefits for qualifying buyers, such as low down payments and flexible credit requirements.
Non-Qualified Mortgages (“Non-QM”)
Specialized loans for borrowers with unique financial situations that don’t meet traditional lending criteria.
HELOCs and 2nd Lien Loans
Access your home’s equity for projects, investments, or debt consolidation through Home Equity Lines of Credit or second mortgages.
Tailored Solutions
Down-Payment Assistance
Programs designed to help you cover the cost of a down payment and make homeownership more accessible.
Debt Service Coverage Ratio (Non-QM)
Loans based on your rental property’s income rather than personal income, ideal for real estate investors.
Bank Statement Loans (Non-QM)
Use your bank statements to qualify for a mortgage, perfect for self-employed borrowers.
No-Income / No-Ratio Loans (Non-QM)
Loans that don’t require income verification, suitable for borrowers with substantial assets.
ITIN Borrowers (Non-QM)
Mortgage options for borrowers who have an Individual Taxpayer Identification Number (ITIN) but no Social Security Number.
Niche Property Types
One-Time-Close Construction
A single loan to cover both the construction and permanent financing of your new home.
Land/Lot Loans
Finance the purchase of land or a lot where you plan to build your future home.
Condotels
Loans specifically designed for condo-hotel properties that operate as vacation rentals.
Non-Warrantable Condos
Financing options for condos that don’t meet conventional loan guidelines.
5+ Unit Properties
Loans for purchasing or refinancing properties with five or more residential units.
Mortgage Brokerage
Access a wide range of mortgage lenders, products and financing solutions tailored to meet your specific needs and situation.
Pre-Approvals
Gain confidence in your home-buying journey with a pre-approval. By understanding your affordability and budget, you can make stronger, more informed offers. Your real estate agent will appreciate it too.
Consultations and Planning
Friendly, jargon-free discussions to help you understand your mortgage options and plan your financial future effectively.
Rate Quotes
Whether you are purchasing or refinancing you can request one-off customized rate quotes, or sign up for automated rate quote notifications.
Refi-Tracking
Exhale will monitor and keep you informed about refinancing opportunities to ensure you never miss an opportunity to save even more.
Mortgage Types
Purchase Loans
Finance the purchase of a new home, vacation property, or investment property with tailored loan options.
Rate/Term Refinance Loans
Refinance your existing mortgage to secure a better rate or term, reducing your overall loan costs.
Cash-Out Refinance Loans
Tap into your home equity to obtain cash for other financial needs while refinancing your mortgage.
Construction Loans
Finance the building of your new home with a loan designed for construction purposes.
Reverse Mortgages
Access the equity in your home if you’re a senior homeowner, providing additional financial flexibility in retirement.
Mortgage Products
Conventional Conforming Loans
Standard mortgages that meet Fannie Mae and Freddie Mac guidelines.
Jumbo Loans (Non-Conforming)
Loans for higher-priced properties that exceed conforming loan limits.
FHA, VA, and USDA Loans (Agency)
Government-backed loans with specific benefits for qualifying buyers, such as low down payments and flexible credit requirements.
Non-Qualified Mortgages (“Non-QM”)
Specialized loans for borrowers with unique financial situations that don’t meet traditional lending criteria.
HELOCs and 2nd Lien Loans
Access your home’s equity for projects, investments, or debt consolidation through Home Equity Lines of Credit or second mortgages.
Tailored Solutions
Down-Payment Assistance
Programs designed to help you cover the cost of a down payment and make homeownership more accessible.
Debt Service Coverage Ratio (Non-QM)
Loans based on your rental property’s income rather than personal income, ideal for real estate investors.
Bank Statement Loans (Non-QM)
Use your bank statements to qualify for a mortgage, perfect for self-employed borrowers.
No-Income / No-Ratio Loans (Non-QM)
Loans that don’t require income verification, suitable for borrowers with substantial assets.
ITIN Borrowers (Non-QM)
Mortgage options for borrowers who have an Individual Taxpayer Identification Number (ITIN) but no Social Security Number.
Niche Property Types
One-Time-Close Construction
A single loan to cover both the construction and permanent financing of your new home.
Land/Lot Loans
Finance the purchase of land or a lot where you plan to build your future home.
Condotels
Loans specifically designed for condo-hotel properties that operate as vacation rentals.
Non-Warrantable Condos
Financing options for condos that don’t meet conventional loan guidelines.
5+ Unit Properties
Loans for purchasing or refinancing properties with five or more residential units.
Our Commitment
Exhale Lending is committed to delivering on-time, stress-free closings.
Expert Mortgage Guidance
Personalized advice and guidance throughout the mortgage application process.
Competitive Interest Rates
Leveraging relationships with lenders to secure competitive interest rates.
Extensive Loan Options
Access to a diverse array of loan programs from a wide network of lenders. "Unlocking a World of Loan Options Tailored to You"
Personalized Service
Support and assistance tailored to your unique financial goals and situation.
Streamlined Loan Processing
Efficient handling of the application, approval, and closing process.
Advocacy for Your Interests
Offering a trusted advocate, dedicated to negotiating favorable loan terms for you and your family.
Time and Effort Savings
Taking care of the time-consuming research, comparison, and paperwork.
First-Time Homebuyer Support
Assisting and educating first-time homebuyers throughout the process.
Refinancing Solutions
Helping homeowners explore refinancing options to improve their financial situation.
Specialized Loan Assistance
Providing expertise in specialized loan programs to meet unique needs.
Pick Only 2?! No, thank you...
With traditional mortgage lenders and brokers, homebuyers typically need to pick between expert advice, stress-free closings and competitive rates.
At Exhale you don’t need to choose.
You get all three.
Exhale Lending is a mortgage brokerage firm that embodies trust, transparency, and a genuine desire to help clients achieve financial serenity. With our client-centric approach, expertise, and unwavering commitment to excellence, Exhale Lending is poised to make a meaningful impact on the journey towards homeownership for individuals and families alike.
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Exhale Lending, L.L.C.
Equal Housing Opportunity
Office Location
Cary, NC 27511