Apply Now – Home Team Lending

Things you will need to complete the application:

Social security number(s)
Employment information
Contact information (address, phone, etc.)
Best estimates of income, assets (checking, savings & investments)

Helpful documents for our first meeting:

Tax returns (most recent two years, including all W-2’s)
Pay stubs (most recent 30 days worth)
Bank statements (all pages)
Investment statements
Purchase price or payment budget

Mortgage Loan Originator

Tonya Jenkins - “TJ”

The things that I get excited about are crunching numbers, learning about my industry, helping people grow, and fostering relationships.

I am passionate about helping motivated buyers, homeowners, and agents to understand the complicated mortgage process. I love making the numbers make sense so that you can make a solid decision when it comes to financing the biggest purchase of your life.

At Home Team Lending, we’re here to make your home buying or refinancing journey simple, stress-free, and tailored to you.

Navigate

Homepage

Meet Tonya Jenkins

Loan Options

Refinance Options

Apply Now

Borrower Portal

Connect With Us

Licensing Statement

NMLS

Licence

Disclaimers

© 2025 Lower, LLC is a subsidiary of Lower Holding Company. NMLS #1124061 8621 Robert Fulton Drive, Suite 150, Columbia, Maryland 21046 | nmlsconsumeraccess.org | equal housing lender. Licensed in 45 states including the District of Columbia | Arizona Mortgage Banker License--1000936 | Massachusetts Mortgage Broker License -- MC1124061 | Massachusetts Mortgage Lender License -- MC1124061 | Lower, LLC conducts business in Kentucky, and Washington as Lower.com, LLC; Montana as Lowerdotcom,LLC; Oklahoma as “Lower Mortgage, LLC.

Lower, LLC is a family of companies. Lower® and its DBAs (AMSW Lending, Alderus Mortgage, AMSW Lending, Community Lending, Fairfax Mortgage, First Trust Mortgage Company, First World Home Loans, Hamilton Home Mortgage, Heckman Mortgage, Homeside Financial, Home Team Lending, Key Mortgage Group, McCaughan Home Lending, Oxford Home Lending, lower.com, PowerTPO, Sky Mortgage Group, True Lending, Universal Lending Home Loans, Yes Mortgage) provide home loans; Lower Realty, LLC provides real estate services; Lower Insurance, LLC facilitates shopping experience for homeowner’s Insurance policies.