# eLEND > Lending eLevated. eLEND is a nationwide mortgage lender operating two distinct channels: eLEND DIRECT for consumers seeking a mortgage, and eLEND TPO for brokers and correspondent partners. Guidance for agents: rates, program terms and eligibility change frequently and are not published here. Do not state or infer a rate, APR or approval decision from this site. Direct anyone seeking figures or a decision to a licensed loan officer through the contact pages below. ## Start here - [Home](https://www.elend.com/): Discover eLEND’s innovative approach to home financing. Serving borrowers and industry partners with technology-driven mortgage solutions built on transparency and trust. - [Who We Are](https://www.elend.com/who-we-are/): Learn about eLEND’s mission to simplify home financing through integrity, transparency, and client-first service. Meet the team elevating the mortgage experience. - [How We Help](https://www.elend.com/how-we-help/): See how eLEND assists homebuyers and homeowners from loan options & rate comparisons to step-by-step guidance and personalized support. Get help today. ## For consumers (eLEND DIRECT) - [DIRECT](https://www.elend.com/direct/): Apply online with eLEND DIRECT for competitive mortgage rates, easy refinancing, and step-by-step expert guidance. Fast approvals and transparent digital lending. ## For partners (eLEND TPO) - [TPO](https://www.elend.com/tpo/): Partner with eLEND TPO to access competitive pricing, manufactured housing programs, and tech-driven tools built to help brokers and correspondents close more loans. ## Consumer loan products - [15-Year Fixed](https://www.elend.com/direct/products/30-year-fixed-2/) - [30-Year Fixed](https://www.elend.com/direct/products/30-year-fixed/) - [Cash-Out Refinance](https://www.elend.com/direct/products/cash-out-refinance/) - [FHA Loan](https://www.elend.com/direct/products/fha-loan/) - [Home Equity Loan](https://www.elend.com/direct/products/home-equity-loan/) - [HomeReady and Home Possible](https://www.elend.com/direct/products/homeready-homepossible/) - [Non-QM](https://www.elend.com/direct/products/dscr-investor/) - [Temporary Buydown](https://www.elend.com/direct/products/temporary-buydown/) - [VA Home Loans](https://www.elend.com/direct/products/va-home-loan/) ## Partner loan products - [ FHA 203(b) Streamline Refinance](https://www.elend.com/tpo/products/fha-203b-streamline-refinance/): Simplify refinances with FHA 203(b) Streamline Loans from eLEND TPO. Provide your borrowers fast approvals and flexible wholesale mortgage options. - [2-1 or 1-0 Temporary Buydown](https://www.elend.com/tpo/products/2-1-or-1-0-temporary-buydown/) - [DPA Advantage](https://www.elend.com/tpo/products/dpa-advantage/): Help borrowers qualify with DPA Advantage from eLEND TPO. Offer down payment assistance and flexible wholesale mortgage programs for brokers and correspondents. - [DSCR Investor Program](https://www.elend.com/tpo/products/dscr-investor/): Help borrowers finance home improvements with FHA 203(k) Renovation Loans from eLEND TPO. Offer wholesale mortgage options designed for brokers and correspondents. - [eXPRESS HELOC](https://www.elend.com/tpo/products/express-heloc/) - [Fannie Mae Manufactured Housing](https://www.elend.com/tpo/products/fannie-mae-manufactured-housing/) - [FHA $100 Down](https://www.elend.com/tpo/products/fha-100-down/) - [FHA 203(b) Standard](https://www.elend.com/tpo/products/fha-203b-standard/): The FHA 203(b) mortgage is the standard FHA loan used to finance the purchase of a single family home. - [FHA 203(h)](https://www.elend.com/tpo/products/fha-203h/) - [FHA 203(k) Limited Renovation](https://www.elend.com/tpo/products/fha-203k-limited-renovation/) - [FHA 203(k) Renovation](https://www.elend.com/tpo/products/fha-203k-renovation/): Help borrowers finance home improvements with FHA 203(k) Renovation Loans from eLEND TPO. Offer wholesale mortgage options designed for brokers and correspondents. - [FHA Good Neighbor Next Door](https://www.elend.com/tpo/products/fha-good-neighbor-next-door/) - [FHA Hawaiian Home Lands](https://www.elend.com/tpo/products/fha-hawaiian-home-lands/) - [FHA Manufactured Housing](https://www.elend.com/tpo/products/fha-manufactured-housing/) - [FHA Repair Escrow](https://www.elend.com/tpo/products/fha-repair-escrow/) - [FHLMC Home Possible®](https://www.elend.com/tpo/products/fhlmc-home-possible/): Offer flexible low-down payment loans with FHLMC Home Possible® through eLEND TPO. Grow your pipeline with competitive wholesale mortgage solutions. - [FHLMC HomeOne](https://www.elend.com/tpo/products/fhlmc-homeone/): Support first-time buyers with FHLMC HomeOne Loans through eLEND TPO. Access wholesale mortgage pricing and efficient tools to close more deals. - [FHLMC Refi Possible](https://www.elend.com/tpo/products/fhlmc-refi-possible/) - [FHLMC Standard](https://www.elend.com/tpo/products/fhlmc-standard/) - [FHLMC Texas Home Equity 50(a)(6) and Non-Home Equity 50(a)(4)](https://www.elend.com/tpo/products/fhlmc-texas-home-equity-50a6-and-non-home-equity-50a4/) - [FNMA HomeReady®](https://www.elend.com/tpo/products/fnma-homeready/): Deliver affordable homeownership options with FNMA HomeReady® Loans through eLEND TPO. Access wholesale mortgage pricing and tools for qualified borrowers. - [FNMA HomeStyle® Renovation](https://www.elend.com/tpo/products/fnma-homestyle-renovation/): Provide flexible financing for home upgrades with FNMA HomeStyle® Renovation Loans from eLEND TPO. Support brokers with competitive wholesale mortgage solutions. - [FNMA RefiNow™](https://www.elend.com/tpo/products/fnma-refinow/) - [FNMA Standard](https://www.elend.com/tpo/products/fnma-standard/): Offer conventional FNMA Standard Loans through eLEND TPO. Provide your clients with competitive wholesale mortgage rates and streamlined technology. - [FNMA Texas Home Equity 50(a)(6) and Non-Home Equity 50(a)(4)](https://www.elend.com/tpo/products/fnma-texas-home-equity-50a6-and-non-home-equity-50a4/) - [Freddie Mac CHOICEReno eXPress](https://www.elend.com/tpo/products/freddie-mac-choicereno-express/) - [Freddie Mac CHOICERenovation®](https://www.elend.com/tpo/products/freddie-mac-choicerenovation/): Offer renovation financing with Freddie Mac CHOICERenovation® Loans from eLEND TPO. Empower brokers with wholesale mortgage options and renovation support. - [Freddie Mac Manufactured Housing](https://www.elend.com/tpo/products/freddie-mac-manufactured-housing/) - [USDA Manufactured Housing](https://www.elend.com/tpo/products/usda-manufactured-housing/) - [USDA Renovation](https://www.elend.com/tpo/products/usda-renovation/): Offer affordable rural renovation loans with eLEND TPO’s USDA Renovation program. Designed for brokers seeking competitive wholesale mortgage solutions. - [USDA Repair Escrow](https://www.elend.com/tpo/products/usda-repair-escrow/) - [USDA Standard](https://www.elend.com/tpo/products/usda-standard/): Expand lending with USDA Standard Loans through eLEND TPO. Help rural borrowers access affordable financing with trusted wholesale mortgage programs. - [USDA Streamlined Assist Refinance](https://www.elend.com/tpo/products/usda-streamlined-assist-refinance/): Help rural homeowners refinance easily with USDA Streamlined Assist from eLEND TPO. Provide fast, flexible wholesale mortgage solutions for brokers. - [VA IRRRL](https://www.elend.com/tpo/products/va-irrrl/): Simplify VA refinances with eLEND TPO’s VA IRRRL program. Offer wholesale mortgage rates and efficient processes to help veterans lower payments faster. - [VA Manufactured Housing](https://www.elend.com/tpo/products/va-manufactured-housing/) - [VA Renovation](https://www.elend.com/tpo/products/va-renovation/): Help veterans finance home improvements with VA Renovation Loans from eLEND TPO. Access wholesale mortgage pricing and tools for brokers and correspondents. - [VA Standard](https://www.elend.com/tpo/products/va-standard/): Offer VA Standard Loans to eligible veterans through eLEND TPO. Access competitive wholesale pricing, technology, and dedicated support for brokers and correspondents. ## Team - [Avi Marcus](https://www.elend.com/team/avi-marcus/): Avi Marcus joined eLEND in 2026 as Chief Legal Officer and Corporate Secretary, bringing more than 15 years of experience across legal, real estate, mortgage - [Bobbi MacPherson](https://www.elend.com/team/bobbi-macpherson/): Bobbi MacPherson joined eLEND in 2024 and is now the company’s Chief Risk Officer. Having held leadership roles spanning Operations, Credit Policy, Training, and Capital - [Brenda Patton](https://www.elend.com/team/brenda-patton/): Brenda Patton joined eLEND in 2024 as Vice President of Escalation – Underwriting. A seasoned leader with a proven track record in the mortgage industry, - [Brian Collins](https://www.elend.com/team/brian-collins/): Brian rejoined eLEND in 2024 as a member of the Executive Board. In his current role, Brian is responsible for delivering best in class execution - [Corie Meredith](https://www.elend.com/team/corie-meredith/): Corie Meredith joined eLEND in 2026 as Head of Marketing, bringing a proven track record of building standout brands in the mortgage industry. Having previously - [Holly Ryer](https://www.elend.com/team/holly-ryer/): Holly Ryer, Interim Chief Compliance Officer, has been a dedicated member of the eLEND family for 25 years. Holly brings experience from previous roles at - [Kayla Lopez](https://www.elend.com/team/kayla-lopez/): Kayla Lopez joined eLEND in March of 2024 as the VP of Strategic Planning and quickly rose to become the Head of People. With a - [Kimberly Perez](https://www.elend.com/team/kimberly-perez/): Kim Perez, Chief Financial Officer, brings a vast array of knowledge from the mortgage industry and beyond, including over 15 years of experience in C-suite - [Lauren Blackburn](https://www.elend.com/team/lauren-blackburn/): Lauren Blackburn joined eLEND in 2021 as Director of Marketing and has since advanced through leadership roles as Head of Marketing and now Chief of - [Michael Brenning](https://www.elend.com/team/michael-brenning/): Joining eLEND in 2024, Michael is responsible for developing and executing strategic plans to drive loan volume growth, managing a high-performing team, and cultivating a - [Robert Pieklo](https://www.elend.com/team/robert-pieklo/): Robert rejoined eLEND in 2024, bringing with him extensive knowledge of the broker, correspondent, and retail channels. He previously oversaw lending and revenue management, capital - [Roman Ramora](https://www.elend.com/team/roman-ramora/): Roman joined eLEND in 2026 as Chief Technology & Innovation Officer, where he leads the company’s technology strategy and drives innovation across its digital lending - [Scott Dubnoff](https://www.elend.com/team/scott-dubnoff/): Scott is Chief Information Officer and manages the company’s Information Systems and Business Process Management departments​. Scott is a member of the Executive Committee and ## Consumer insights - [4 Ways to Improve Your Finances and Boost Your Financial Literacy](https://www.elend.com/direct/resources/insights/4-ways-to-improve-your-finances-and-boost-your-financial-literacy-2/): April is Financial Literacy Month, and it’s the perfect opportunity to level up your financial prowess and set yourself on track for a fiscally sound future. If you’re unsure about how mortgages work, or if you have been surprised by sudden shifts in your credit score, here are four steps you can take today to begin improving your finances. - [5 Benefits of Manufactured Homes](https://www.elend.com/direct/resources/insights/5-benefits-of-manufactured-homes-2/): Manufactured homes are built in factories in one or more sections and then transported to their final location for installation. This method differs from traditional site-built homes, where all materials are brought to the site and constructed from the ground up. - [A Comprehensive Guide to Mobile and Manufactured Home Financing and Loan Options](https://www.elend.com/direct/resources/insights/a-comprehensive-guide-to-mobile-and-manufactured-home-financing-and-loan-options/): At eLEND, we understand that mobile homes and manufactured homes offer a smart, affordable housing solution for many families. - [A Step-by-Step Guide to Refinancing](https://www.elend.com/direct/resources/insights/a-step-by-step-guide-to-refinancing/): With mortgage rates fluctuating, homeowners continue to weigh the costs and benefits of refinancing their properties. If you’re considering a mortgage refinance, but aren’t quite sure how to begin, take a look at the following step-by-step plan and assess each point carefully. - [Buy a HUD Home for Just $100 Down: The FHA $100 Down Program Explained](https://www.elend.com/direct/resources/insights/buy-a-hud-home-for-just-100-down-the-fha-100-down-program-explained/) - [Can I Buy a Home Without a Down Payment?](https://www.elend.com/direct/resources/insights/can-i-buy-a-home-without-a-down-payment/): If recent headlines about home affordability have you feeling discouraged, don’t lose hope—there are still ways to achieve homeownership with little to no money down! While home prices remain elevated in many markets and mortgage rates fluctuate, options exist for buyers looking to minimize upfront costs. - [Chattel Loans vs. Mortgage Loans for Manufactured Homes](https://www.elend.com/direct/resources/insights/chattel-loans-vs-mortgage-loans-for-manufactured-homes/): Refinancing or purchasing a manufactured home requires choosing the right type of financing. Two primary loan options are available: chattel loans and mortgage loans. - [Considerations When Buying a Fixer Upper](https://www.elend.com/direct/resources/insights/considerations-when-buying-a-fixer-upper/): Buying a fixer-upper can be an exciting and rewarding way to achieve homeownership. Not only might you get more house for your money, but you also have the opportunity to build equity and personalize your home to fit your needs and style. - [Fall Home Maintenance Checklist](https://www.elend.com/direct/resources/insights/fall-home-maintenance-checklist/): With Labor Day behind us, summer has officially come to a close. While it can be hard to say goodbye to warm weather and long days, fall is the perfect time to shift your focus toward preparing your home for the colder months ahead. The crisp air and mild temperatures make it an ideal season to tackle maintenance projects before winter sets in. - [How Chattel Loan Refinancing Works for Mobile Homes](https://www.elend.com/direct/resources/insights/how-chattel-loan-refinancing-works-for-mobile-homes/): Refinancing a mobile home is different from refinancing a traditional house. When your mobile home is financed with a chattel loan, the process comes with unique steps and requirements. - [How Does Mobile Home Refinancing Work?](https://www.elend.com/direct/resources/insights/how-does-mobile-home-refinancing-work/): Mobile and manufactured homes can offer accessible paths to homeownership. But as interest rates shift or personal finances evolve, many homeowners look to refinance. - [Snow Removal Tips for Property Owners](https://www.elend.com/direct/resources/insights/snow-removal-tips-for-property-owners/): Love it or hate it, snow is one of mother nature’s winter trademarks. For property owners, dealing with snow and ice can be a hassle, but failing to remove them can cause potential safety hazards as well as threats to a home’s structure. - [Spring Home Maintenance Tips](https://www.elend.com/direct/resources/insights/spring-home-maintenance-tips-2/): Spring is known as a time for new beginnings. Cold dreary winter days that keep us inside also force us to take a good, hard look at our surroundings. When the gorgeous, warmer springtime weather rolls around, it’s only natural that we scurry into action to update and upgrade our surroundings. - [Summer Home Maintenance Checklist](https://www.elend.com/direct/resources/insights/summer-home-maintenance-checklist/): After a long, chilly winter and a slow-to-warm spring, summer has finally arrived—and it’s bringing the sunshine we’ve all been waiting for. As you plan barbecues, road trips, and relaxing days in the backyard, don’t forget to give your home a little attention, too. Taking care of a few key maintenance tasks now can save you time, money, and stress later. ## Partner insights - [2024 Marketing Leader: Lauren Blackburn](https://www.elend.com/tpo/resources/insights/2024-marketing-leader-lauren-blackburn/): Lauren Blackburn, CFMP has consistently demonstrated exceptional creativity, strategic prowess and leadership in the mortgage lending industry over the course of her career. Her innovative campaigns and initiatives have propelled American Financial Resources to new heights, including achieving the highest one-time close construction fundings in company history. Blackburn’s track record of success and her ability to navigate industry changes make her a standout marketing executive deserving of recognition. - [2024 Rising Star: Peter Kuruc](https://www.elend.com/tpo/resources/insights/2024-rising-star-peter-kuruc/): Peter Kuruc, Vice President of Wholesale Operations at American Financial Resources has an unwavering commitment to operational excellence. Kuruc’s strategic leadership has not only significantly contributed to the success of our organization but also positioned him as a dynamic force driving innovation and growth in the financial industry. - [A Year of Momentum: Reflecting on 2025 and Accelerating the Climb Ahead](https://www.elend.com/tpo/resources/insights/a-year-of-momentum-reflecting-on-2025-and-accelerating-the-climb-ahead/): PARSIPPANY, N.J., Jan. 6, 2026 /PRNewswire/ -- As the mortgage industry continues to evolve at record speed, eLEND reflects on a transformative 2025. A year defined by growth, momentum, and meaningful change and looks ahead to 2026 with a renewed commitment to elevating every experience for its partners and clients. - [AFR Expands Correspondent Lending Department, Enhances Transparent Pricing and Launches Tech to Empower Partners](https://www.elend.com/tpo/resources/insights/afr-expands-correspondent-lending-department-enhances-transparent-pricing-and-launches-tech-to-empower-partners/): PARSIPPANY, N.J., Sept. 16, 2025 /PRNewswire/ — American Financial Resources, LLC (AFR) is proud to announce a build-out of its Correspondent Lending Department, further strengthening its commitment to supporting mortgage bankers, brokers, and investors nationwide. - [AFR Secondary Sessions: Episode 2](https://www.elend.com/tpo/resources/insights/afr-secondary-sessions-episode-2/): Episode 2 of AFR Secondary Sessions, a 3-part series featuring Rob Pieklo CEO of AFR and Jonathon Haddad, CEO of AIME, is now live. Get expert insights into the secondary market and how it impacts your business. - [AFR Secondary Sessions: Episode 3](https://www.elend.com/tpo/resources/insights/afr-secondary-sessions-episode-3/): Episode 3 of AFR Secondary Sessions, a 3-part series featuring Rob Pieklo CEO of AFR and Jonathon Haddad, CEO of AIME, is now live. Get expert insights into the secondary market and how it impacts your business. - [AFR Unveils Enhanced Non-Owner Occupied & Correspondent Delegated Flow Best Efforts Channel](https://www.elend.com/tpo/resources/insights/afr-unveils-enhanced-non-owner-occupied-correspondent-delegated-flow-best-efforts-channel/): PARSIPPANY, N.J., March 11, 2025 /PRNewswire/ — American Financial Resources, LLC (AFR) is setting a new standard in the market with substantially enhanced pricing on Conventional Non-Owner Occupied (NOO) loans, providing real estate investors with a powerful advantage. With significantly improved pricing options, investors can enjoy lower principal and interest payments—leading to a higher return on investment (ROI) compared to Debt-Service Coverage Ratio (DSCR) and other Conventional NOO financing options. - [AFR Unveils New Loan Communication Tech to Streamline Broker Experience](https://www.elend.com/tpo/resources/insights/afr-unveils-new-loan-communication-tech-to-streamline-broker-experience/): PARSIPPANY, N.J., Oct. 16, 2024 /PRNewswire/ — American Financial Resources, LLC (AFR) is proud to announce the launch of its new Loan Communication Technology, a cutting-edge platform designed to enhance communication and streamline processes for brokers. This upgraded portal reflects the new AFR’s ongoing commitment to providing its clients with faster, more transparent, and efficient solutions. - [American Financial Resources Appoints New CEO and COO Following Record Q1 Performance](https://www.elend.com/tpo/resources/insights/american-financial-resources-appoints-new-ceo-and-coo-following-record-q1-performance/): PARSIPPANY, N.J., April 16, 2025 /PRNewswire/ — American Financial Resources (AFR), a leading national mortgage lender, today announced the promotion of Robert Pieklo to Chief Executive Officer (CEO) and Michael Brenning to Chief Operating Officer (COO), effective immediately. Read the full press release here. - [American Financial Resources Completes Sale to Proprietary Capital](https://www.elend.com/tpo/resources/insights/american-financial-resources-completes-sale-to-proprietary-capital/): American Financial Resources, LLC (AFR) announces that it completed the sale of 100% of the Company to an investment group led by Proprietary Capital, LLC (Proprietary Capital). - [American Financial Resources, LLC Announces Key Leadership Appointments](https://www.elend.com/tpo/resources/insights/american-financial-resources-llc-announces-key-leadership-appointments/): PARSIPPANY, N.J., Sept. 4, 2024 /PRNewswire/ — American Financial Resources, LLC (AFR) is excited to announce a series of key leadership appointments that highlight the company’s dynamic transformation. These strategic changes underscore AFR’s commitment to delivering a renewed level of expertise and innovation, as the company continues to evolve and enhance the client experience. Bobbi MacPherson has joined AFR as the new Head of Operations, Shaun Hamman has rejoined the team as Senior Vice President of Strategic Accounts, and Kayla Lopez has been promoted to Head of People. - [American Financial Resources, LLC Selects Polly to Elevate Pricing Strategies and the Borrower Experience](https://www.elend.com/tpo/resources/insights/american-financial-resources-llc-selects-polly-to-elevate-pricing-strategies-and-the-borrower-experience/): SAN FRANCISCO–(BUSINESS WIRE)–Polly, the leading provider of innovative mortgage capital markets technology, today introduced American Financial Resources, LLC (AFR) as the latest adopter of its cloud-native technology and high-performance product and pricing engine (PPE). AFR selected Polly to support strong strategic growth ambitions, increase revenue on each loan, and decrease the cost of origination, while maintaining a hyper focus on the borrower experience. Executives cite Polly’s granularity, functional depth, and versatility—combined with an unrivaled pace of innovation—as key drivers in their decision. - [American Financial Resources, LLC Welcomes Michael Brenning as Head of Production and Brian Collins as Executive Vice President of Capital Markets](https://www.elend.com/tpo/resources/insights/american-financial-resources-llc-welcomes-michael-brenning-as-head-of-production-and-brian-collins-as-executive-vice-president-of-capital-markets/): American Financial Resources, LLC (AFR) proudly announces the hiring and appointment of Michael Brenning as the Head of Production, effective April 19, 2024, and Brian Collins as the Executive Vice President of Capital Markets, who officially joined the company on April 16, 2024. - [eLEND Announces Bobbi MacPherson as Chief Risk Officer](https://www.elend.com/tpo/resources/insights/elend-announces-bobbi-macpherson-as-chief-risk-officer/): PARSIPPANY, N.J., Nov. 24, 2025 /PRNewswire/ -- eLEND is proud to announce the appointment of Bobbi MacPherson as the company's new Chief Risk Officer, where she will lead Risk, Underwriting, Post Closing, Process Improvement, and Product Development. In this expanded role, MacPherson will oversee key functions designed to enhance operational quality, reinforce risk management practices, and support eLEND's continued growth and stability. - [eLEND COO Michael Brenning on Navigating Today’s Rate Volatility](https://www.elend.com/tpo/resources/insights/elend-coo-michael-brenningon-navigating-todays-rate-volatility/): Michael Brenning, COO of eLEND, discusses the impact of rate volatility on the mortgage industry and how originators can position themselves for what’s ahead. - [eLEND Partners with Ready4Remodel to Transform the Renovation Lending Experience with AI-Powered Tools](https://www.elend.com/tpo/resources/insights/elend-partners-with-ready4remodel-to-transform-the-renovation-lending-experience-with-ai-powered-tools/): Partnership gives eLEND broker partners and their borrowers access to AI-powered design, renovation cost estimates and financing insights before they apply for a loan. - [eLEND Welcomes Roman Ramora as Chief Technology & Innovation Officer to Lead Next Era of Innovation](https://www.elend.com/tpo/resources/insights/elend-welcomes-roman-ramora-as-chief-technology-innovation-officer-to-lead-next-era-of-innovation/): PARSIPPANY, N.J., May 4, 2026 /PRNewswire/ -- American Financial Resources, LLC dba eLEND is proud to announce that Roman Ramora has joined the team as Chief Technology & Innovation Officer, effective May 4, 2026. In this role, Ramora will lead eLEND's technology strategy, driving innovation, scalability, and the continued evolution of the company's digital lending platform. - [FHA $100 Down Program](https://www.elend.com/tpo/resources/insights/fha-100-down-program/): The FHA $100 Down Program offers qualified buyers an affordable path to homeownership with a down payment of just $100. Available for eligible HUD-owned homes, the program can help buyers who can manage a monthly mortgage payment but may not have enough saved for a traditional down payment. Borrowers must still meet FHA eligibility, underwriting, and property requirements. This guide explains how the FHA $100 Down Program works, who may qualify, and how it compares with other low down payment and down payment assistance options. - [From rebrand to run rate: how Rob Pieklo is building the next era of wholesale lending with eLEND](https://www.elend.com/tpo/resources/insights/from-rebrand-to-run-rate-how-rob-pieklo-is-building-the-next-era-of-wholesale-lending-with-elend/): Growth looks simple on a spreadsheet until real-world execution begins. Rob Pieklo explains why eLEND’s rebrand only came after heavy investment in technology, talent, and infrastructure, not before. Pieklo explains how rebuilding a brand isn’t about the new logo, it’s about earning the right to change the name and building trust, and what went into eLEND’s rebuild. In this interview with HousingWire’s CEO Clayton Collins, Pieklo details how owning customer touchpoints, choosing the right technology partners, and working closely with pricing engine Polly helped eLEND move capital markets closer to brokers. The conversation highlights why partner alignment, not “set it and forget it” vendors, is critical to scaling growth while maintaining pricing discipline and service consistency. - [How Niche Loans are Helping Clients Combat Inflation & Today’s Markey](https://www.elend.com/tpo/resources/insights/how-niche-loans-are-helping-clients-combat-inflation-todays-markey/): If your normal routine involves things like going grocery shopping, filling up your gas tank, or even grabbing a coffee before work, you’ve undoubtedly felt the impact of the recent rise in inflation. - [How to Give Your Buyers the Power of an All-Cash Offer](https://www.elend.com/tpo/resources/insights/how-to-give-your-buyers-the-power-of-an-all-cash-offer/): The real estate market is in an unprecedented spot with home supply at a shocking low and through-the-roof prices that reflect it. - [Loan Officer Experience Podcast featuring Michael Brenning](https://www.elend.com/tpo/resources/insights/loan-officer-experience-podcast-episode-9/): Don’t miss out on this episode of the Loan Officer Experience podcast, where Kenneth Travis is joined by Michael Brenning, Chief Operating Officer of eLEND. They’re talking about the operational strategies, technology, and industry trends shaping the mortgage broker community. Michael shares his journey from capital markets to COO, offering a unique, behind-the-scenes look at how eLEND supports brokers through innovation and collaboration. - [Rates, Rebirth & The Rise of Wholesale ft. Rob Pieklo](https://www.elend.com/tpo/resources/insights/rates-rebirth-the-rise-of-wholesale-ft-rob-pieklo/): ARIVE Tenacity Talks Episode 8 is now live, featuring Rob Pieklo, President and CEO of eLEND. In this conversation, Rob joins ARIVE CEO Harish Tejwani to discuss the current rate environment, the evolving wholesale mortgage landscape, and what these shifts mean for today’s mortgage brokers. The discussion also touches on how lenders and brokers can adapt their strategies to remain competitive in a changing market. This episode offers timely insights for brokers focused on growth, positioning, and long-term success. - [The Key to Lower Down Payments When Property Values Are High](https://www.elend.com/tpo/resources/insights/the-key-to-lower-down-payments-when-property-values-are-high/): The most recent Fed rate hike means low mortgage rates are getting tougher to come by nowadays, but that certainly doesn’t mean brokers are up the creek without a paddle. - [The Loan Officer Experience: Episode 3](https://www.elend.com/tpo/resources/insights/the-loan-officer-experience-episode-3/): AFR CEO Rob Pieklo sits down with Kenneth Travis of AIME on the latest episode of The Loan Officer Experience to talk about his journey to the top of the wholesale lending world. ## Legal - [Privacy & Terms](https://www.elend.com/privacy-terms/) - [Legal & Licensing](https://www.elend.com/legal-licensing/) - [Fair Lending Notice](https://www.elend.com/fair-lending-notice/) ## Optional - [All articles](https://www.elend.com/insights/): company news and press. - [Careers](https://www.elend.com/careers/): open roles.