Secure Your
Dream Home
With Us

Sudha Gumidelly, an experienced licensed loan officer in Texas, is dedicated to helping you secure your dream home with us. With years of expertise in the industry, Sudha understands the complexities of the loan process and is committed to guiding you every step of the way. Whether you’re a first-time homebuyer or looking to refinance, trust Sudha to make your homeownership dreams a reality.

Loan Programs

01

Conventional Loan

A Conventional Loan is a mortgage that is not backed by a government entity like the FHA or VA, but instead is offered through private lenders and can meet the needs of a broad range of borrowers. These loans are known for their flexibility in terms of down payments, loan amounts, and repayment terms, making them ideal for buyers who have good credit and can meet the traditional income and asset requirements.

02

FHA Loan

FHA Loans Explained for Homebuyers FHA Loan or Federal Housing Administration loans are government-backed mortgage options designed to make homeownership accessible to a broader range of borrowers. Established in the 1930s during the Great Depression, the FHA aims to stimulate the housing market and promote affordable housing for all Americans.

03

USDA

USDA Loans, backed by the United States Department of Agriculture, are government-insured mortgage options designed to promote homeownership in rural and suburban areas. With a mission to improve the economy and quality of life in rural America, USDA loans provide a pathway for individuals and families who might otherwise struggle to secure financing.

04

VA Loan

VA Loans are mortgage options backed by the United States Department of Veterans Affairs (VA) designed specifically for eligible veterans, active-duty service members, and certain members of the National Guard and Reserves. Established in 1944 to help returning servicemen and women obtain affordable housing, VA loans have become a vital resource for military families seeking to purchase homes.

05

DSCR Loans

DSCR, also known as Debt Service Coverage Ratio, is a vital measure used to evaluate financial situations. It enables lenders to determine a borrower’s ability to fulfill their debt responsibilities by utilizing the income generated from the property being financed. By assessing this ratio, lenders gain valuable insights into the level of risk associated with lending to the borrower. So, if you’re looking to buy your dream home with us, understanding and meeting the DSCR requirements becomes crucial.

06

Land Loans

Buy Your Dream Home With US by taking advantage of our Land Loan option, which necessitates recipients to commit to building a residence within a period of two years.

Embrace Our Unmissable Mortgage Services

Experience our exceptional mortgage services and embrace the opportunities they offer. Our esteemed mortgage brokerage firm is dedicated to providing you with unrivaled expertise. Delve into a wide array of mortgage loan programs and customized strategies that are specifically designed to align with your individual circumstances and aspirations. Take a step closer to buying your dream home with us.

Come and Experience Our Unforgettable One Time Contruction Loans and Temporary Rate Buydown Options

Buy Your Dream Home With US

Our company provides convenient financing solutions for construction projects. With our one-time construction loans, you can secure funding in advance, enabling you to start construction without delays. Once your project is completed, the same loan seamlessly converts into a mortgage, simplifying the transition process.

To make our financing options even more attractive, we offer temporary rate buydown choices. By opting for this, you can lower your interest rate by 3%, 2%, or 1% during the first year. Additionally, you can enjoy an extra 1% reduction over the subsequent 2 or 1 years until it reaches the normal note rate. Please note that borrowers need to qualify for the actual note rate to be eligible for this opportunity.

$10 million

Loans processed per month

20-30 Units

Sales per month

250

top notch Loan Originators

9

Locations, Licenses

FL, GA, AL, SC, NC, TX, AR, OK

Sudha from US Mortgage Lenders

Sudha from US Mortgage Lenders is a professional and seasoned loan officer. She streamlined the process more than I have ever experienced. Sudha was super responsive to my questions and explained things in a way that I could understand them as a first-time home buyer. There were lot of steps involved in the process and she did a great job helping me through the process and explaining us what was most important to get done and when. Overall, Sudha is extremely helpful, kind, prompt and knowledgeable in every step of the process. I will refer my friends and family to Sudha from US Mortgage Lenders.

Harish
July 25, 2024

Sudha was amazing! She worked

Sudha was amazing! She worked really hard to get our closing done quick! She is always available and respond to all our query. With out hesitation, she answered all my questions and made me feel comfortable when I asked the same questions for further clarification. Thanks so much for all your help in achieving a timely closing on the property and services. I would not hesitate to recommend her to my friends.

Bhagya Sudha
June 30, 2024

Excellent service and guided us

Excellent service and guided us very well, answered all the queries and explained with patience. Overall it was great working with you

Akshitha routhu
June 20, 2024

I had the pleasure of

I had the pleasure of working with Sudha during my recent home-buying journey, and I can’t praise her enough. Her professionalism, expertise, and genuine care made the entire process smooth and stress-free.
From the moment we connected, Sudha demonstrated an in-depth understanding of the mortgage industry. She patiently explained complex terms, answered all my questions, and guided me through each step. Her attention to detail was remarkable, ensuring that I had a clear picture of my options and obligations.
What truly stood out was Sudha’s commitment to personalized service. She took the time to listen to my financial goals, preferences, and concerns. Whether it was finding the best interest rates or explaining the intricacies of different loan programs, Sudha was there every step of the way.
Sudha’s responsiveness was exceptional. Emails, calls, and even late-night inquiries—she was always prompt and thorough. Her dedication extended beyond business hours, which made me feel valued as a client.
But it wasn’t just about the paperwork; Sudha genuinely cared about my well-being. She understood the emotional aspect of buying a home and provided reassurance during moments of uncertainty. Her positive attitude and encouragement kept me motivated throughout the process.
In the end, Sudha secured an excellent mortgage deal for me. Her negotiation skills and market insights were instrumental. Thanks to her, I’m now a proud homeowner, and I owe a significant part of that achievement to Sudha’s unwavering support.
If you’re looking for a loan officer who combines expertise with compassion, look no further than Sudha. She’s not just a professional; she’s a trusted partner who goes above and beyond for her clients. Sudha, thank you for making my dream home a reality!

Shashi Yerra
May 10, 2024

Sudha is awesome to work

Secure Your Dream Home With US

Sudha is awesome to work with and very quick to respond

Reena
March 5, 2024

Sudha did such a great

Sudha did such a great job with getting us into our new house! She was quick and very efficient. Always available when needed. Would highly recommend her for anyone buying a home.

Meera Patel
January 12, 2024

Sudha has been very helpful

Sudha has been very helpful with the mortgage approval process from day 1 and made it easy for a first time home buyer like me. She patiently answered all the questions and made sure that I got the best rates. I highly recommend working with Sudha for Home mortgage needs. Thank you so much!

Sri
October 20, 2023

Sudha was an absolute pleasure

Sudha was an absolute pleasure to work with and a true professional when it came to working the details out. I completely recommend anyone to work with her and look forward to our next transaction.

Mark Hunt
October 17, 2023

Sudha was introduced by a

Sudha was introduced by a common friend when I was rate shopping. She provided competitive quote. Her application process was smooth. Sudha worked with underwriting to get loan approved and clear to close in 7 days, and closed the loan with in 20 days. I would work with her again for a future mortgage nee

BV
October 16, 2023

Sudha was a pleasure to

Sudha was a pleasure to work with, working diligently to make sure all tasks were completed quickly while still making sure I was informed throughout the process!

Meher Vallabhaneni
September 5, 2023

Our meticulous approach
eases your burden.

Seamless Process

Flawless meetings

Frequently Asked Questions

Is quick Pre Approval available?

Certainly, we offer rapid pre-approval, provided that all necessary documents are provided. Buy your dream home with us.

Is my information Secure?

Rest assured, your information is fully protected. Our state-of-the-art Loan origination software guarantees the utmost security. Confidentiality is our priority when it comes to safeguarding your data. So go ahead and confidently buy your dream home with us.

Can you charge anything in advance?

We do not require any upfront charges for our services. There are no application fees, credit check fees, or any other associated fees. Purchase your dream home with us.

Is there an application fee?

None. Purchase your dream home with us.

How soon you can close the loan?

IWhen can the closing take place? Historically, we have been able to close within around two weeks. However, the timeframe can vary depending on individual borrowers and is subject to underwriting requirements. It also depends on how promptly you provide the necessary documents and fulfill the underwriting conditions. Rest assured, we are committed to helping you buy your dream home with us.

Connect with the professionals

Our Expert Staff

About Sudha Gumidelly and SGMortgageLoans

Why you need to buy your Dream Home with Us

At Loan Factory, Sudha Gumidelly (NMLS# 2167577) is dedicated to assisting individuals and families throughout the United States in achieving their dream of owning a home. With an extensive understanding of the mortgage industry and a genuine enthusiasm for finding suitable loan solutions, Sudha has established a reputation for providing personalized and dependable mortgage services.

As a trusted partner of Loan Factory, Sudha specializes in offering customized loan products that cater to the diverse financial requirements of her clients. Whether you are a first-time homebuyer or seeking to refinance, Sudha Gumidelly ensures a seamless and transparent mortgage process that is tailored to your specific circumstances.

With expertise in various loan programs such as FHA, VA, and Conventional Loans, Sudha Gumidelly and the team at US Mortgage Lenders work diligently to help clients secure the best available financing options for purchasing your dream home with us.

Sudha Gumidelly
Mortgage Loan Officer
NMLS# 2167577
Ph# (945) 527-9896