Mortgage Lending · NMLS #1068689

The last step before home is yours.

OMEGA Lending pairs a real loan officer with fast, transparent financing — purchase, refinance, or your very first home. We're consistently manifesting homeownership, one closing at a time.

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$480M+: FUNDED FOR CLIENTS
18 DAYS: AVG. TIME TO CLOSE
4.9 / 5: AVG. CLIENT RATING

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No cost, no obligation, and it will not affect your credit score.

Licensed loan officers only. Equal Housing Lender.

Machelle Lee

Senior Loan Officer · NMLS #1068689

Who You're Working With

Meet Machelle Lee

With more than 30 years in the mortgage industry, Machelle has helped first-time buyers, veterans, and seasoned investors find financing that actually fits their lives — not just a rate on a screen. She specializes in reverse mortgages, guiding seniors through the process with patience and care, and is also a dedicated mortgage instructor who mentors the next generation of loan officers.

When you work with OMEGA, you're working directly with someone who answers her own phone, keeps you informed at every step, and has spent three decades doing exactly this — well.

Loan Programs

Financing built around how you actually buy

Every borrower's story is different. These are the paths our clients use most — your loan officer will help you find the right fit.

Purchase loans

Buying your first home or your fifth — get pre-approved fast and shop with real confidence.

Refinance

Lower your rate, shorten your term, or tap your equity. We'll show you the real numbers before you decide.

Conventional loans

The go-to option for strong credit and steady income — often the most cost-effective path for well-qualified buyers.

FHA loans

Low down-payment financing backed by the FHA, built for flexible credit and income situations.

VA loans

Zero-down financing for eligible veterans, service members, and their families, with no private mortgage insurance.

USDA loans

Zero-down financing for eligible rural and suburban properties, designed for moderate-income buyers.

Jumbo loans

Financing above conventional limits for high-value properties, without the extra hassle.

Non-QM loans

Flexible qualification for self-employed borrowers and anyone whose income doesn't fit a standard W-2 box.

Reverse mortgage

Turn home equity into income for homeowners 62 and older, while staying right where you are.

Chattel & manufactured home loans

Purpose-built financing for manufactured and mobile homes, including land-and-home and home-only options.

First-time buyer programs

Down-payment assistance and plain-language guidance made for people doing this for the first time.

Investment property

Financing for rental and investment properties, structured to help your portfolio grow.

Our Process

Your path to keys in hand

Four steps, one dedicated loan officer, and full visibility into where you stand at every point.

Apply

Tell us about your goals in a short application — online or on the phone, whichever you prefer.

Get pre-approved

We review your financials and issue a pre-approval letter, typically within 24–48 hours.

Lock your rate

Choose your loan program and lock in your rate with full transparency on every cost involved.

Close & get your keys

Sign, fund, and move into your next chapter. We stay with you all the way to the closing table.

Client Stories

Homeowners who worked with OMEGA

As shared by real clients on Google

“

Machelle jumped on our loan right away and stayed reachable through evenings and weekends until we closed. She kept us informed at every step and made a process we dreaded feel completely manageable.

Rachel Leach

Google review

“

From application to closing, Machelle kept things moving and stress-free. She was quick to answer questions and handled every detail with real care — we'd work with her again without a second thought.

Rashawn Morrow

Google review

“

As a first-time buyer I had a lot to learn. Machelle walked me through each step with real patience and made sure I understood exactly what was happening before I signed anything.

Steven Jenkins

First-time buyer · Google review

“

Machelle was great from start to finish — easy to reach, easy to work with, and someone I'd point any friend or family member toward for their next mortgage.

Stephone Apple

Google review

“

It's clear Machelle genuinely cares about her clients and their loans, not just getting a deal done — she made the whole thing possible for us.

Lawrence Bell

Google review

Questions

Frequently asked questions

It depends on the loan program. Conventional loans typically start around 620, while FHA options can go lower. Your loan officer will review your full picture, not just one number, before ruling anything out.

Most clients receive a pre-approval letter within 24–48 hours of submitting their documents, so you can shop with confidence right away.

Pre-qualification is a quick estimate based on what you report. Pre-approval means we've verified your income, assets, and credit — it carries far more weight with sellers.

Yes. We work with several down-payment assistance and first-time buyer programs and will check your eligibility as part of your application.

Generally: recent pay stubs, two years of tax returns, bank statements, and ID. Self-employed and investment-property borrowers may need a couple of extra items — your loan officer will send a checklist.

Ready to see your real numbers?

A free rate quote takes about two minutes and won't affect your credit.

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