Our Story
A lender that actually wants you debt-free.
Proficient Home Finance was founded by a team of mortgage veterans who were tired of an industry that profits from keeping homeowners in debt. We do it differently.
Founded on a simple idea.
In 2014, our founders watched too many friends and family members trapped in HELOCs and mortgages they didn't fully understand. So they built Proficient Home Finance — a licensed lender that treats homeowners like clients, not transactions.
Today we serve over 38,000 homeowners across 48 states, with one of the highest client-rated NPS scores in the industry.
What we stand for
Three principles, no exceptions.
Transparency
Every fee, every rate, every assumption. We show our work — always.
Long-term thinking
We optimize for your financial future, not our quarterly origination volume.
Compliance first
Licensed in 48 states. NMLS, FHA, VA, BBB A+, SOC 2 Type II audited.
Licensed in 48 states + DC
Hover any state on the map to see our license number and the year we began lending there. Verify everything on the NMLS Consumer Access portal.
Accreditations & audits
- NMLS #338923 — Nationwide Mortgage Licensing System
- Equal Housing Lender — HUD compliant
- FHA Approved Lender — HUD/FHA Direct Endorsement
- VA Approved Lender — Department of Veterans Affairs
- BBB A+ Accredited Business since 2016
- SOC 2 Type II — annual security audit
- ALTA Best Practices Certified
- CFPB Registered Loan Originator