Welcome!
Welcome to The Yi Team Mortgage On A Mission! I’m Paul Defngin, senior mortgage advisor. Let’s get you home with confidence. Here’s everything you need to know.
Buying a home is a big deal, and we’re here to make it smooth, stress-free, and even a little fun.
We don’t just do mortgages—we structure them with your bigger financial and housing goals in mind.
With 25 years of experience and thousands of happy homeowners, we’ve built a process that’s fast, transparent, and proactive.
You’ll get regular updates, quick turn times to meet your deadlines, and a team that stays in full control from start to finish—no surprises, just smooth sailing to closing day.
Plus, we throw in some cool tools and unexpected gifts to make the journey even better.
And when your loan closes, you can feel good knowing it’s making a positive impact on the community. Let’s do this!
FAQ
How long does the mortgage process take?
We close fast. Like, really fast. Our Perfect Loan Process keeps everyone on the same page, so your loan moves smoothly from start to finish. You’ll get regular updates (so will your real estate agent), and we’ll make sure you close on time, without surprises.
What documents will I need?
We’ll guide you through exactly what’s needed, but typically, you’ll need pay stubs, tax returns, bank statements, and ID. The good news? Jen Hansel, our mortgage rockstar, will help handle all the details, so you don’t have to stress.
How much will I need for a down-payment?
It depends! Some loans allow as little as 3% down, and there are even zero-down options available. During our Discovery Call, I’ll review your financial picture with you and help structure the best mortgage strategy to build your wealth—because buying a home isn’t just about getting the keys, it’s about setting yourself up for long-term financial success.
What’s the difference between pre-qualified and pre-approved?
A pre-qualification is a quick estimate of what you might be able to borrow, but a pre-approval is the real deal—it means I’ve reviewed your income, credit, and assets so you can shop with confidence and stand out to sellers. And because communication is our thing, we’ll keep you updated throughout the process so you always know what’s next.
Will I be left in the dark during the loan process?
Absolutely not! My team and I believe great relationships and communication are the key to success. That means you’ll hear from us regularly, and so will your real estate agent. You’ll always know where things stand, what’s next, and when you can expect to close.
Why should I work with you instead of my bank?
We’re not just about loans—we’re about helping you build wealth and reach your financial goals. We take the time to structure a mortgage that works for you now and in the future. Plus, banks are known for being slow and impersonal. We’re the opposite. With faster closings, clear communication, and a team that actually picks up the phone, we make sure your experience is smooth from day one.
Home Loan Timeline with Paul Defngin
Meet Paul Defngin – Your Mortgage Guide, Wealth Builder, and Zone 7A Gardener
Hi, I’m Paul Defngin, and I believe that a well-planned mortgage is one of the most powerful tools you have to build long-term wealth. Whether you’re a first-time homebuyer, a travel nurse with a nontraditional income, a veteran, or looking to refinance, I’m here to guide you through the loan process with clarity and confidence.
At The Yi Team Mortgage, I work closely with my borrowers to create smart mortgage strategies that support both their homeownership dreams and financial goals. I’ve helped hundreds of people close on time, without surprises, and with a clear understanding of how their home loan fits into the bigger picture. I also walk the walk—I’ve grown my own real estate portfolio from modest beginnings and love helping others do the same.
You’re Not Just Getting Me – Meet Jen Hansel
You’ll also hear from my right-hand teammate, Jen Hansel, who’s the absolute rockstar of our team. Jen keeps everything organized, on time, and running smoothly. She’s the kind of person who makes you feel instantly supported and always in the loop.
A Bit About Me
Outside of work, I’m a big-time family man and happiest when I’m home in Zone 7A, getting my hands dirty in the garden. Whether I’m planning out a smart financing strategy or figuring out what’s going in the raised beds next season, I believe in planting roots and building something meaningful.
I’m proud to support our firefighter and first responder communities and was honored to be the first civilian sponsor of several firefighter causes. I’ve also been featured in publications like the Washington Times for my mortgage insights—but my real passion is using that knowledge to help everyday people build wealth through real estate.
At The Yi Team Mortgage on a Mission, we’re more than just a mortgage team—we’re your partners in homeownership, and we’re in this together. Scroll down to read my 5-star reviews, and let’s get you home with Paul Defngin!
Guides & Resources
DO’S & DON’TS CHECKLIST
MOVING CHECKLIST
WELCOME PACKET
TRAVEL NURSE BORROWERS CHECKLIST
HOME EQUITY REPORT
Let’s Connect
Paul Defngin
Senior Mortgage Advisor, NMLS #199791
240-447-2376
PDefngin@theyiteam.com
Hours of Operation
Monday – Friday
8:30 am – 5:30 p m
Find Paul Defngin on Instagram and Facebook @themortgageguy1
Find out what people are saying about Paul and the people who will be helping you with your home loan
We strive to give every borrower and referral partner a 5 star service. We have over 100 testimonials to back that up. Click below for our Zillow reviews to see what others are saying!