Alayna Pack, Senior Mortgage Originator at Lendmire
Senior Mortgage Originator

Alayna Pack

NMLS# 2330092

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30-Second Start · No Commitment · Direct Line to Alayna

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About Me

Be Admired.

As a proud Marine Corps spouse, I don’t just understand the challenges of military life — I live them. From PCS moves to deployments, I’ve experienced firsthand the hurdles families face when building stability and achieving homeownership. I combine that lived experience with my expertise as a mortgage loan originator to guide clients through the process.

With a background in education, I take a teaching-first approach, breaking down complex mortgage options and helping clients make informed, strategic decisions. Whether you’re a first-time homebuyer, a military family, or a real estate investor, I provide clarity, patience, and practical insight every step of the way.

As an active real estate investor myself, I understand what it takes to make smart property decisions — whether buying a primary home or expanding your investment portfolio. My mission is to empower clients with the knowledge, tools, and confidence to achieve their goals and build financial stability.

Credentials

Background you can trust.

A track record of education, licensing, and recognition — the foundation behind every loan that closes.

01 · Education

Academic foundation.

  • University at Albany, SUNY Master’s Degree — Education
  • SUNY Oneonta Bachelor of Science — Elementary Education

02 · Licensing

Authorized to serve.

  • Mortgage Originator License North Carolina · California
  • DSCR Financing in 40 States Investor & business-purpose loans
  • NMLS# 2330092 Nationwide Multistate Licensing System

03 · Recognition

Earned distinctions.

  • Lendmire Million Premier Circle Top production recognition

Mortgage Calculator

Run the numbers before you call.

See your estimated payment, total interest, and amortization across loan programs — then reach out when you’re ready to talk specifics.

Property Details

Qualify on rental cash flow.

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Indicative rate · varies by FICO, LTV, program
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DSCR Ratio
1.27
Qualifies · 1.00 +
0.001.002.00+
Loan Amount $320,000
Principal & Interest $2,237
Tax + Insurance + HOA $450
Monthly Cash Flow +$213
About DSCR Qualify the property, not you. No tax returns, no W-2s, no employment verification. The property’s rental income divided by its total monthly debt service must typically clear 1.00 to qualify — higher ratios unlock better pricing.
No tax returns. Close in an LLC. STR-friendly.
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Standard Financing

Backed by Fannie & Freddie.

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Indicative rate · varies by FICO, LTV, program
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Total Monthly Payment
$3,311
Includes principal, interest, tax, insurance & PMI.
Loan Amount $382,500
Principal & Interest $2,480
Property Tax $350
Homeowners Insurance $150
PMI Private Mortgage Insurance $159
About Conventional The most flexible loan type — pricing rewards strong credit. PMI applies under 20% down but drops off at 78% LTV automatically. HomeReady® and Home Possible® programs allow as little as 3% down for eligible first-time buyers.
The most flexible path to ownership.
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VA Benefit

Zero down, no PMI.

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Indicative rate · varies by lender, FICO, LTV
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Total Monthly Payment
$2,968
No PMI required on VA loans. Funding fee rolled into loan amount.
Base Loan Amount $400,000
VA Funding Fee Rolled Into Loan $8,600
Total Financed $408,600
Principal & Interest $2,516
Property Tax $300
Homeowners Insurance $150
About VA Loans A benefit earned through service. Zero down, no monthly mortgage insurance, competitive rates, and no prepayment penalty. Funding fee is financed into the loan and may be waived for veterans with service-connected disability ratings.
A benefit earned through service.
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Government-Backed

Your first door.

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Indicative rate · varies by lender, FICO, LTV
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Total Monthly Payment
$2,560
Includes MIP (FHA mortgage insurance) — UFMIP rolled into loan.
Base Loan Amount $313,625
UFMIP 1.75% Upfront · Financed $5,488
Total Financed $319,113
Principal & Interest $2,017
Monthly MIP 0.55% annual $146
Property Tax $250
Homeowners Insurance $125
About FHA Built for first-time buyers and borrowers who don’t fit the conventional box. Gift-friendly down payment and flexible DTI ratios. Mortgage insurance is required for the life of the loan in most cases.
Your first door is closer than you think.
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Why Work With Me

A different kind of mortgage experience.

Three things that set this process apart — from your first conversation to the day you close.

01 · My Approach

Teaching-first guidance.

My background in education shapes every conversation. I break down complex mortgage decisions into clear, informed steps — no jargon, no pressure, just real understanding.

02 · The Lendmire Advantage

Multi-lender shopping.

Lendmire is a brokerage — we shop top wholesale lenders to find the best rate and structure for your profile. You don’t get one bank’s offer. You get the right one.

03 · Direct Access

Real human, not a call center.

You work with Alayna directly — from preapproval through closing. Same name on the email, same voice on the phone, same person at the closing table. Calls returned same-day, questions answered honestly, and a process that adapts to your timeline — not the other way around.

Client Reviews

What Alayna’s clients are saying.

Real Google reviews from real homebuyers — the people who trusted Alayna with one of the biggest decisions of their lives.

★★★★★

Alayna Pack is very knowledgeable, helpful, communicative, and transparent. Highly recommend.

T
Tristen Mosley Local Guide · 70 reviews
Posted 3 weeks ago · Google Review
★★★★★

As first time homebuyers, my husband and I had a LOT of questions and concerns as well as a general sense of uncertainty at all times. Alayna was wonderful at answering all questions, and she was so patient and willing to go above and beyond when issues came up. From understanding our budget when the process started all the way to closing on our home, Alayna was helpful and reliable. Would definitely use again!

H
Holly A. 4 reviews
Posted 27 weeks ago · Google Review
★★★★★

Alayna Pack was awesome. She helped me through the entire home buying process and I would say went above and beyond. This was my first time getting a mortgage and she was always there to answer questions and to make sure I was on top of my due diligence. She made me feel like I was a priority. Extremely professional, helpful and thoughtful. Highly recommended.

J
jacob palumbo 3 reviews
Posted 40 weeks ago · Google Review
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