Flagstaff, Arizona neighborhood with San Francisco Peaks
Trusted by Borrowers Nationwide

Guiding you Home,with the right Formula.

Experience personalized mortgage solutions backed by 20+ years of expertise. From purchase to refinance, we simplify every step of your homeownership journey.

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10,000+ satisfied clients

$870M+
Loans Funded
20+
Years Experience
10,000+
Satisfied Clients
Nationwide
Coverage
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Our Services

Mortgage ProgramsTailored For You

Whether you're a first-time homebuyer, looking to reduce payments, or seeking equity access, we have the perfect solution for your needs.

Buying a Home

Purchase and specialty programs to get you in the door.

Purchase

Open the door to your dream home

A wide range of mortgage options with personalized, expert guidance for every step of the process.

Competitive rates
First-time buyer programs
Expert guidance
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VA Loans

Zero down for veterans

Zero-down financing for veterans and active military with no PMI and flexible credit guidelines.

Zero down payment
No PMI
Competitive rates
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FHA

Flexible credit, low down

3.5% down with flexible credit guidelines—ideal for first-time buyers and those rebuilding credit.

3.5% down
Flexible credit
Assumable loans
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Jumbo

Beyond conforming limits

Wholesale pricing on loan amounts above the conforming limit, with flexible qualification options.

Wholesale pricing
Flexible terms
High loan amounts
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Bank Statement

Ideal for self-employed

Designed for self-employed and 1099 borrowers. Qualify using your bank statements—no tax forms needed.

No tax returns
12-month statements
Up to 90% deposits
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Bridge Loan

Short-term flexibility

Buy a new property before selling your existing one, allowing competitive, non-contingent offers.

Up to 11 months
100% financing
Interest-only payments
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DSCR

Investment property loans

Qualify based on rental income rather than personal income—built for real estate investors.

No income verification
Rental income qualified
Portfolio financing
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Already Own

Refinance and equity access to make your home work harder.

Refinance

Unlock financial benefits

Maximize the advantages of refinancing through strategic timing and lower interest rates.

Lower payments
Better terms
Quick process
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Cash Out

Tap into your home's value

Convert your equity into cash for home renovations, debt consolidation, or major expenses.

Access equity
Flexible use
Competitive rates
Learn More

HELOC

Discover your home's potential

Access your home's equity while maintaining your low first mortgage rate. Fast approvals.

Fixed rates
Up to 85% LTV
Close in 5 days
Learn More
Why Formula LG

What Makes Us Different

We pride ourselves in being efficient, professional, and personal while offering you the best financing solution that fits your mortgage needs. Our wholesale partnerships give you access to rates you won't find elsewhere.

Wholesale Partnerships

Access to the best rates through our extensive network of wholesale lenders.

Fast Approvals

Efficient systems and experienced staff ensure quick turnarounds.

Personalized Service

Every client gets customized solutions tailored to their unique situation.

Trusted Experience

20+ years of industry expertise backing every transaction.

Expert Team

Dedicated mortgage professionals guiding you every step of the way.

Proven Track Record

$870M+ in funded loans and 10,000+ satisfied clients.

Testimonials

What Our Clients Say

Don't just take our word for it—hear from homeowners who trusted us with their mortgage needs.

"Dan was awesome to work with and took all the hastle out of finding the best mortgage for my situation. Thanks a bunch!"

H

H M

Purchase

"I am super pleased with Dan and Marcus! They are amazing, miracle workers. I had a difficult situation and they were able to get me approved and get me into my home. They handled my case with ease and was with me every step of the way. I am very appreciative of all their hardwork and effort and so happy they got me and my family into my dream home. I highly recommend them. 10/10 "

M

Myava

Va loan

"I first met Marcus through Allegiant Vets while I was transitioning out of the military. Of probably 15 different briefers from similar companies, Marcus was the ONLY one who directly addressed veteran-specific entitlements, rules, and considerations within the VA lending process. He immediately stood out, and that is ultimately why I decided to give him a call. That was nearly 10 months before I actually bought a home. At the time, I had no idea where we would end up or when we would be ready to buy. Marcus stayed in touch about every other month throughout that entire period with absolutely zero pressure. He simply checked in to see if our situation had changed and whether there was anything we needed from him. Once a career opportunity took us to another state and we were ready to buy, Marcus was Johnny on the spot from beginning to end. Over the course of the process, we developed what I would consider a professional friendship. We had numerous calls and conversations covering just about every aspect of the loan and home-buying process. If I didn't understand something, he explained it. If I wanted to see the numbers behind what we were discussing, he provided the math. If I needed another pre-approval letter for an offer, he turned it around quickly. This level of support started well before we ever had a home under contract. What impressed me most was that I never felt like Marcus was simply trying to close a loan. I felt like I had someone in my corner who understood VA lending, understood the unique considerations that come with being a veteran, and genuinely wanted to make sure my family and I were making informed decisions. To top it all off, Marcus was even able to get more money back to us at closing than I had anticipated or identified through my own research. I will 100% go back to Marcus and Formula Lending Group if rates drop and refinancing makes sense. I will continue recommending him to other veterans, friends, and family, and would gladly work with him again anytime our paths cross. Marcus earned my trust and my business months before I actually had any business to give him. I can't think of a better endorsement than that."

Joseph P

Joseph P

VA Loan

Individual results may vary. Testimonials reflect the personal experiences of individual clients and are not a guarantee of future results. Equal Housing Opportunity.

Modern home

Take the First Step TowardsYour New Home

Talk to one of our mortgage experts today and discover the perfect financing solution for your needs. We're here to make your homeownership dreams a reality.