Personalized Loans
Get the right loan for your situation.
Café Lending is a division of GVC Mortgage, Inc.
Why Café Lending?
Quick Closings
Close your loan in weeks.
Great Support
Enjoy the personalized service you deserve.
About Us
Always professional, with a casual flair, we are confident we can provide the perfect lending program to fit your needs while delivering unsurpassed customer service.
Testimonials
See What Others are Saying About Us
This was my first time purchasing a home and Susan was available for questions basically 24/7. She answered my long lists of questions and always made me feel like she truly had my best interest during this whole process. With hiccups that came up during my buying process she addressed them instantly and made sure that all necessary documents were obtained from the seller and all involved. I knew I loved this house I purchased but Susan helped me feel confident that I got everything completed that was needed for my purchase.
Homebuyer / Zillow Review
Susan and her team went above and beyond through our whole home buying experience. My realtor stated at closing, “Susan and her team were amazing to work with, I will recommend them to any of my clients.” Thank you Susan and team for making our first home buying experience go off without a hitch.
Homebuyer / Zillow Review
I’ve used Susan as my mortgage lender three times over the years. Susan has been thorough and professional each and every time. She’s been able to explain details and the process to both my wife and I so we both are comfortable with the loan process.
Homebuyer / Zillow Review
Susan was prompt, courteous, and very professional throughout the entire loan approval process. She was eager to help and provided needed guidance from start to finish.
Homebuyer / Zillow Review
This was my first time purchasing a home and Susan was available for questions basically 24/7. She answered my long lists of questions and always made me feel like she truly had my best interest during this whole process. With hiccups that came up during my buying process she addressed them instantly and made sure that all necessary documents were obtained from the seller and all involved. I knew I loved this house I purchased but Susan helped me feel confident that I got everything completed that was needed for my purchase.
Homebuyer / Zillow Review
I would give her an excellent rating. I am a first homebuyer at 65 and their whole group was very will informed and patient with me. I love my new home.
Homebuyer / Zillow Review
I’d recommend Susan and team to anyone. I like to move rapidly through paperwork and Susan was equally as speedy – and highly organized! An enviable combination. She was pleasant to work with and highly effective. Its impossible to go wrong with her.
Homebuyer / Zillow Review
Susan and her team made buying our first house so easy! They are efficient, patient and high-quality people. We enjoyed working with them very much! We would recommend them to anyone. The mortgage process was easier than we expected and stress-free!
HomebuyerZillow Review
We have used Susan Nemeth as our mortgage lender for 3 separate transactions over the past 4 years. She, and her entire team, are thorough, quick to respond, and very professional. I will not hesitate to recommend her to anyone, or use her services again!
Homebuyer / Zillow Review
The process was explained clearly. Susan responded very quickly to my questions and made sure that everything worked smoothly throughout the process.
Homebuyer / Zillow Review
Immediately you are in the hands of a professional! You will be given thorough detailed explanations of each and every process. Your questions will be answered in detail. Their accountability to make your process is flawless is over compensated. Its hard to do business with any service in any other field once you have been taken care of by Susan Nemeth and the staff at Cafe Lending.
Homebuyer / Zillow Review
Susan was wonderful to work with. We were opening another optometry office during the building of our new home… Very stressful, but Susan took the worry out of the equation.
Homebuyer / Zillow Review
Susan Nemeth was awesome to work with! She ensured that everything ran as smoothly as possible and as a result, the process wasn’t near as stressful as we anticipated. She kept us up to date throughout the process and anytime we had a question, she was quick to respond. As a result, we remained ahead of schedule and was able to close on our new home a week earlier than planned!
Homebuyer / Zillow Review
I first contacted Susan 3 years ago when my wife and I tried selling our house the first time with no offers coming in. Susan kept in contact with us through the next 3 years just to check in and see how things were and when it came time for us to try to sell again and purchase a new house she was there. She stuck with us and helped to coordinate everything between the banks and lenders to ensure that everything went as smoothly as possible. If you are looking to buy a home do yourself a favor and contact Susan. She will take care of you through the entire process.
Homebuyer / Zillow Review
The Right Loan Program for You
Which Scenario Below Best Describes You?
FHA
I do not have a lot of money for a down payment.
Loan Features:
- Great for First Time Homebuyers
- Low Down Payment
- Easy Credit Qualifying
- Purchases can Include Rehab and Remodels
- Easy Refinancing
USDA
I live in a rural area and need financing for a home.
Loan Features:
- Great for those with Low to Moderate Income
- Up to 100% Financing
- Flexible Underwriting Guidelines and Credit Qualifications
- Household Income & Property Geographic Limitations Apply
Conventional
I am able to make a larger down payment.
Loan Features:
- Great for those with Moderate to High Income
- As Little as 5% Down Payment (only 3% for First-Time Homebuyers)
- 20% Down Payment Removes Mortgage Insurance Premiums
- Flexible Terms
VA
I am an active member of the military or a veteran.
Loan Features:
- Designed to Provide Financing to American Veterans
- Up to 100% Financing
- No Monthly Private Mortgage Insurance (PMI)
Doctors
I am completing my residency and want to buy.
Loan Features:
- Flexible Down Payment Options
- Up to 100% Financing
- No Monthly Private Mortgage Insurance (PMI)
DU Refi Plus
I had a conventional loan before 2009 and owe more on my mortgage than my home is worth.
Loan Features:
- Increased Underwriting Flexibilities
- Refinances Existing Fannie Mae Loans made before May 31st 2009 for Today’s Low Interest Rates
- No Mortgage Insurance Premiums Required if Mortgage Insurance was not Required at Start of Existing Loan
FHA Manufactured Home
I want to purchase a manufactured home.
Loan Features:
- Great for First Time Homebuyers
- Low Down Payment
- Easy Credit Qualifying
- Easy Refinancing
How to Get a Loan to Purchase a Home
You Will be Amazed at How Quick and Simple the Loan Process is
Step 1
Apply now, getting started is easy.
Start by completing our “secure application” . It takes minutes and provides basic information to allow us to start to analyze options for you.
Once complete, we’ll go over your pre-approval in detail to discuss interest rates, down payment, monthly payments, etc. and we can tweak the numbers as needed until we have a perfect fit.
We’ll request a small list of income and asset documents so we can validate everything from an underwriting standpoint – we want to make absolute certainty there will be no hiccups once you are ready to make an offer!
Once validated, we’ll provide you with a pre-approval letter and share the highlights of your pre-approval with your Realtor (type of program, down payment, price range, amount of seller help to negotiate toward closing costs, if needed, etc.).
Then, you’ll be 100% ready to start house hunting and be able to make a strong offer once the perfect home presents itself.
Throughout the loan process, we provide you with regular updates, proactively, and you can also e-mail us with questions or new information.
Step 2
You have an accepted offer.
Once you have an accepted offer, you’ll be eligible to lock into your interest rate. We’ll prepare initial loan disclosures and create a list of any last documents that need collected.
We’ll order an appraisal to make sure the value of the home supports the purchase price, and then submit your file to our underwriting department for final approval. About 99% of everything we do is electronic, so the process is very simple, secure, and can be done on your own time/schedule – no need to meet in person.
Step 3
Closing on your loan.
Once the underwriter has cleared your loan for closing, we’ll work with the Title Company (where your closing will take place) to finalize your numbers for closing. We pride ourselves on giving you assurance the amount you need for closing will never be more than what we’ve estimated for you…again – no negative surprises!
At least 48 hours prior to closing we’ll send you a copy of your closing documents, so you’ll have time to ready all your documents prior to sitting at the closing table. You’ll then complete any banking needed for the funds and show up at closing with a copy of your driver’s license – everything else will be ready for you. The closing will take about an hour and at the end, you will be a proud homeowner!
That’s it – simple, straightforward, and efficient!
Mortgage Checklist
The Following Information is Usually Required During the Loan Process
| Social Security Number and Date of Birth | |
| Most Recent 30 Days Worth of Paystubs | |
| Most Recently Filed Federal Tax Return (if self-employed, will need 2 consecutive years) | |
| Most Recent 2 Years of W2’s, 1099’s and/or K-1’s | |
| Bank Statements for the Past 2 Months | |
| Investment Account Statements for the Past 2 Months | |
| Retirement Account Statements for the Past 2 Months | |
| Documentation to Support the Source of any Large Deposits into Bank Accounts | |
| Copy of Photo ID | |
| Divorce Decree (if applicable) | |
| If You Currently Own Real Estate | |
| Mortgage Statement | |
| Home Equity Line of Credit Loan Terms (if applicable) | |
| Home Insurance Policy Information | |
| Most Recent Property Tax Bill | |
| Copy of Rental Lease Agreement (if applicable) |