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    It’s free, secure, and takes less than 5 minutes.

    Café Lending is a division of GVC Mortgage, Inc.

    Why Café Lending?

    Personalized Loans

    Get the right loan for your situation.

    Quick Closings

    Close your loan in weeks.

    Great Support

    Enjoy the personalized service you deserve.

    About Us

    Cafe Lending Team

    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.

    Meet Our Team

    We All Have a Role on Our Team but Each of Us Can Help You

    Susan Nemeth

    Senior Mortgage Advisor
    NMLS# 223350

    View Bio

    Amy Eaker

    Loan Partner to Susan Nemeth
    NMLS# 462484

    View Bio

    Chartley Bondurant

    Loan Partner to Susan Nemeth
    NMLS# 1546298

    View Bio

    Sheryl Holko

    Mortgage Approval Specialist

    View Bio

    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

    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!

    Homebuyer / Zillow 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

    Click to see more testimonials

    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
    Learn More

    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
    Learn More

    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
    Learn More

    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)
    Learn More

    FHA 203k Limited

    I want to buy a fixer upper or improve my current home.

     

    Loan Features:

    • A Single Loan Finances Home and Less Extensive Non-Structural Repairs
    • Mortgage Balance can be Greater than the Purchase Price
    • No Professional Consultants, Engineers, or Architects Required
    Learn More

    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)
    Learn More

    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
    Learn More

    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
    Learn More

    Mortgage Resources and Tools

    What Resource are You Looking for?

    How to Get a Loan to Purchase a Home

    You Will be Amazed at How Quick and Simple the Loan Process is

    Step 1

    Choose us to obtain your home loan.

     

    Once you select us to obtain your home loan, you’ll be amazed at how quickly and simply the loan process moves. Before you know it, you’ll have a mortgage that suits your needs and goals.

    Throughout the loan-application process, we provide you with regular updates, proactively, and you can also e-mail us with questions or new information.

    Learn More

    Step 2

    Apply now, getting started is easy.

     

    Start by completing the “short application” on our website. This is a secure and easy method to provide some basic information to allow us to start to analyze options for you.

    Once complete, we will then go over your pre-approval in detail to discuss interest rates, downpayment, monthly payments, etc. and we can tweak the numbers as needed until we have a perfect fit.

    We will request a small list of income and asset documents so that we can validate everything from an underwriting standpoint – we want to make absolute certainty that there will be no hiccups once you are ready to make an offer!

    Once validated, we will provide you with a pre-approval letter and share the highlights of your pre-approval with your Realtor (type of program, downpayment, 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 in a position to make a strong offer once the perfect home presents itself.

    Learn More

    Step 3

    You have an accepted offer.

     

    Once you have an accepted offer, you will be eligible to lock into your interest rate and we will prepare initial loan disclosures and create a list of any last documents we’ll need to collect.

    We will then 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.

    Once the underwriter has cleared your loan for closing, we will work with the Title Company (where your closing will take place) to finalize your numbers for closing. We pride ourselves by giving you assurance that the amount you need for closing will never be more than what we have estimated for you…again – no negative surprises!

    At least 48 hours prior to closing, we will send you a copy of your closing documents so that you’ll have time to ready all of your documents prior to sitting at the closing table. You will 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!

    Learn More

    Back to Resources

    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)

    Back to Resources

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