About Lend Labs

The brokerage I would refer my own family to.

Lend Labs exists because most mortgage shopping looks like this: you call three names, get three rates, and pick the smallest number — without ever knowing if any of them was the right product. We built a brokerage that does the file review first, the rate shopping second, and the recommendation honestly.

Founder · Will Perez

25 years. Hundreds of files. Specialty: the hard ones.

I started in mortgage in 2001 — before the boom, before the crash, before the reset. Two decades of market cycles taught me that the real job is structuring loans for real people, not pushing whatever product the bank wanted to move that quarter.

Self-employed and Non-QM became my specialty because that's where the system fails the most borrowers. The realtor with 24 months of bank deposits but a tax return showing $40K. The investor stuck above the conventional 10-property cap. The 1099 contractor whose write-offs killed his W-2-equivalent income. Those files have answers — most lenders just don't bother to look.

NMLS# 369929Lend Labs NMLS# 2718409@elwilito on IG

The team

Founder-led, team-built mortgage review.

Lend Labs is built around a consistent file-review standard, not one personality. Will sets the structure; the team carries it forward for borrowers who need clear options and honest guidance.

Will Perez

Founder & Mortgage Broker

NMLS# 369929@elwilito

Founder of Lend Labs and the architect of the brokerage's file-first review process for self-employed, investor, and specialty mortgage scenarios.

Daniel Yasells

Loan Officer

NMLS# 2740989

Dr. Rate support

The mascot explains the math. The team owns the file.

You will see Dr. Rate in calculators and education moments. The people on this page still carry the review, licensing, and borrower guidance.

How we operate

Four principles, no exceptions.

Multi-lender, by design

We're independent. No retail bank, no parent company telling us which product to push. Your file goes to the lender that prices it best — even if it's not the one that pays us best.

Real review, not a quote

Most brokers ship a 30-second rate quote off a credit score. We read your full file — income, assets, credit narrative — before giving you any number.

Honest no

If your current quote is already good, we tell you. If we can't beat it, we tell you. The relationship is worth more than the file.

Founder-led standards

Will built the review process and quality bar. The team works from the same file-first standard — not a call-center script.

Timeline

The shortened version.

2001

Started in mortgage

Entered the industry before the boom. Built a foundation across two decades and every market cycle since.

2014

Specialized in self-employed

Built expertise in bank-statement and Non-QM programs as gig and 1099 work exploded.

2020-2023

Refi tidal wave + rate shock

Closed hundreds of files through the lowest rates in history and the fastest rate climb in 40 years.

2025

Founded Lend Labs

Built the brokerage I always wanted to refer clients to. Independent. Multi-lender. Transparent by default.

Work with us

Send us your scenario. We review the file.

If you want a real review and a real comparison — not a sales call — start here. The Lend Labs team will look at the file before recommending a path.

Get my comparison (407) 201-4403

No credit pull · No application fee · Equal Housing Opportunity