Dignified Home Loans

What Dignified Home Loans does

Dignified Home Loans, LLC is a privately held residential mortgage lender headquartered in Westlake Village, California, founded in 2010 by Jack Schakett. The company operates as a direct lender with in-house underwriting, offering home purchase loans, refinances, and reverse mortgages through a full product suite that spans Conventional, FHA, VA, USDA, Jumbo, Non-QM, Renovation, Down Payment Assistance, and Private Money products. It also offers FHA Streamline Refinance, Reverse Second, and Jumbo Reverse Mortgage products with loan amounts up to $4 million, alongside a suite of online mortgage calculators and a 'My Home Loans' mobile application on iOS and Android.

The business is built around a branch-led retail distribution model, with 27 branch offices concentrated in California and Nevada and additional branches in Arizona, Washington, and Ohio, supported by a corporate contact center and self-serve online application portal. Loan officers rely heavily on realtor and referral partnerships, with the CRM and Loan Origination System (LOS) platform covering the full lifecycle from prospecting through closing. The company is licensed as a mortgage banker/broker/lender in 13 states (AZ, CA, CO, ID, IL, IN, NV, OH, OR, TN, TX, UT, WA) under NMLS #309234.

Revenue is generated primarily through transaction-based origination fees on closed mortgage loans, supplemented by recurring servicing fee income on the post-closing loan portfolio. In 2018, the company consolidated with The Mortgage House (co-founded by Ira Cohen in 1995) and Broadview Home Loans onto the Dignified platform, scaling the combined entity to over 200 employees. The senior leadership team — including CEO Jack Schakett (ex-Countrywide, Bank of America), President Ira Cohen (ex-ARCS Mortgage), COO Marius Nicolau, and Chief Accounting Officer Tyler Smith — provides deep operating experience in retail mortgage origination.

Name

Dignified Home Loans

Legal name

Dignified Home Loans, LLC

Website

https://dignifiedhomeloans.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

101–250 employees

Short description

Dignified Home Loans, LLC is a privately held, direct residential mortgage lender in Westlake Village, California that originates purchase, refinance, and reverse mortgage loans through 27 branches across 13 states, serving individual homebuyers, refinancers, and homeowners aged 62+.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

akta.pro secondary industries

Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA), Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

Keywords

• Residential mortgage lending
• Home purchase loans
• Home refinance loans
• Reverse mortgage lending
• FHA VA Jumbo loans

Headquarters

HQ city

Westlake Village

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Mortgage Origination Fees: The company generates revenue through origination fees charged on mortgage loans for home purchases, refinances, and reverse mortgages. This is a transaction-based revenue model where fees are earned upon loan closing.
2. Loan Servicing: Revenue from servicing loans post-closing, managing borrower payments, escrow accounts, and customer relationships.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Dignified Home Loans is a direct residential mortgage lender offering home purchase loans, refinance products, and Dignified Reverse Mortgages for homeowners aged 62+. The company provides in-house underwriting and a comprehensive loan menu including Conventional, FHA, VA, USDA, Jumbo, Renovation, Non-QM, Down Payment Assistance, and Private Money loans, supported by a CRM/LOS technology platform, online calculators, and the My Home Loans mobile app.

Product overview

Dignified Home Loans is a residential mortgage lender offering a comprehensive suite of mortgage products and services. The company operates as a direct lender with in-house underwriting capabilities, providing home purchase loans, home refinance options, and specialized Dignified Reverse Mortgages for seniors aged 62+. The core lending products include Conventional, FHA, VA, USDA, and Jumbo loans, along with specialty programs such as Down Payment Assistance, Renovation loans, Non-QM, and Private Money Lending. The company also offers an FHA Streamline Refinance program and various Reverse Mortgage products including Reverse Seconds and Jumbo Reverse Mortgages up to $4 million. Supporting tools include a suite of eight mortgage calculators and the My Home Loans mobile application. The company was established in 2010 and is headquartered in Westlake Village, California, with operations across multiple states including Arizona, California, Colorado, Idaho, Illinois, Indiana, Nevada, Ohio, Oregon, Tennessee, Texas, Utah, and Washington.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Purchase Loans Residential mortgage financing for purchasing homes, serving first-time and repeat homebuyers with personalized guidance from Loan Officers.
• Home Refinance Loans Mortgage refinancing products to help borrowers reduce payments, access cash, or consolidate high-interest debt.
• Dignified Reverse Mortgages Reverse mortgage products for homeowners aged 62+ to leverage home equity for retirement expenses, including standard reverse mortgages, reverse seconds, and reverse purchase options with loans up to $4 million.
• FHA Streamline Refinance Federal Housing Administration streamline refinance program designed to lower monthly principal and interest payments without requiring a new appraisal, with minimum 680 credit score requirement.
• Conventional Loans Standard conforming mortgage loans not insured by government agencies.
• FHA Loans Federal Housing Administration insured mortgages with lower down payment requirements.
• VA Loans Veterans Affairs backed mortgages for eligible military service members and veterans.
• USDA Loans United States Department of Agriculture loans for rural property purchases.
• Jumbo Loans Mortgages exceeding conforming loan limits for high-value properties.
• Down Payment Assistance Programs Specialty programs to help borrowers with down payment requirements.
• Renovation Loans Financing for home purchases combined with funds for renovation and repair.
• Non-QM Loans Non-Qualified Mortgage products for borrowers who may not meet standard qualification criteria.
• Private Money Lending Alternative financing through private investors for unique lending situations.
• Reverse Second Mortgage A fixed-rate reverse second mortgage that allows homeowners to access home equity while keeping their existing forward first mortgage with no additional monthly payments.
• Jumbo Reverse Mortgage Reverse mortgage product for higher-value properties with loan amounts up to $4 million.
• My Home Loans Mobile App Mobile application for accessing Dignified Home Loans services and managing home loans on iOS and Android devices.
• Mortgage Calculators Suite Eight online financial calculators including Payment/Amortization, Rent vs Own, APR, Debt Consolidation, Prepayment Savings, Early Payoff, Refinance Break-Even, and Tax Savings calculators to assist borrowers before, during, and after the mortgage process.

Quantifiable outcome

• Elimination of future monthly mortgage payments through reverse mortgage pay-off of existing mortgage
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered major.

• The Mortgage HousemajorOthers · 1 January 2018Merged with The Mortgage House in 2018, bringing their ten offices and approximately 100 employees onto the Dignified Home Loans lending platform. The Mortgage House was co-founded by President Ira Cohen and had grown to become a Fannie Mae/Freddie Mac approved seller/servicer.
• Broadview Home LoansmajorOthers · 1 January 2018Merged with Broadview Home Loans in 2018 simultaneously with The Mortgage House merger. Both companies were consolidated under the Dignified Home Loans name for future strength as the mortgage industry underwent changes.

Scale indicators5 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Rocket Mortgage: Largest US direct-to-consumer mortgage lender offering purchase, refinance, and reverse mortgages nationwide. Comparable because both are direct lenders with in-house underwriting, broad loan menus, and digital self-service capabilities, though Rocket operates at vastly greater national scale.
• United Wholesale Mortgage (UWM): Leading wholesale mortgage lender serving independent brokers and loan officers. Comparable because both originate residential mortgages across multiple programs (Conventional, FHA, VA, Jumbo) with technology-driven speed advantages, though UWM operates via the wholesale broker channel rather than direct branches.
• loanDepot: Multi-channel residential mortgage lender combining retail branches, direct-to-consumer, and a partner network. Comparable because both operate branch networks, in-house underwriting, and comprehensive purchase and refinance offerings, with overlapping California presence.

Direct peers

• Guild Mortgage: Mid-size residential mortgage lender with a multi-state branch network and strong purchase-business orientation. Comparable because both are direct lenders of similar regional-to-mid-market scale offering conventional and government loans with branch-based distribution and realtor referral emphasis.
• Fairway Independent Mortgage: Mid-size independent retail mortgage lender with branches across dozens of states. Comparable because both operate multi-state branch models with comprehensive loan menus and relationship-based lending focused on purchase business.
• Caliber Home Loans: Residential mortgage originator and servicer offering purchase and refinance products. Comparable because both are direct lenders with in-house underwriting and servicing operations, with overlapping products including conventional, government, and non-QM programs.
• NewRez (formerly New Penn Financial): Residential mortgage lender with retail and wholesale channels and a significant servicing portfolio. Comparable because both originate purchase and refinance loans, retain servicing, and operate multi-state branch networks at similar mid-market scale.
• Prime Lending: Multi-state retail mortgage lender with a national branch network and full purchase and refinance offerings. Comparable because both operate a branch-led retail model with a comprehensive loan menu and emphasis on loan officer relationships with realtors.

Regional players

• American Pacific Mortgage: Western US-focused retail mortgage lender with branches concentrated in California and surrounding states. Comparable because both are regional players anchored in the western US, with similar branch-density distribution and full purchase/refinance product menus.

Emerging players

• Mutual of Omaha Reverse Mortgage: Specialized reverse mortgage lender focused on HECM products for homeowners aged 62+. Comparable because Dignified's Dignified Reverse product line, including the Jumbo Reverse up to $4M, competes directly in the senior home equity conversion market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/dignified-home-loans-llc

Compliance11 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dignified Home Loans