About Us

Your New Home is just a Horizon Away

At New Horizons Lending, we don’t just close loans, we open doors. Founded and led by Denise Davis (NMLS #2252524), a military spouse and longtime underwriting expert turned powerhouse mortgage broker, we exist for one purpose: to make homeownership easier, clearer, and more affordable for everyone we serve.

Our Mission

Our mission is simple: we find ways to say yes.
When other lenders stop at “no,” we dig deeper, get creative, and help buyers understand exactly what’s possible. We lead with heart, education, and real advocacy so every client feels supported on the path to homeownership.

What Makes Us Different

Expertise with heart. With decades of underwriting experience, Denise knows how to navigate tough files, tricky guidelines, and the small details that make big approvals happen.
Relationship-driven. Our business has grown through referrals from happy clients and trusted partners, because we take care of people, communicate clearly, and make the process feel human.
Full-service lending. Whether you’re purchasing, refinancing, accessing equity, consolidating debt, or self-employed and unsure where to start, we help you understand every option so you can make empowered decisions.
Smart pricing. As a broker, we shop multiple lenders to help you secure competitive terms and lower fees.
Education-first. A home is one of the biggest financial decisions you’ll ever make. We explain the “why” behind the numbers and keep you updated on market trends so you always feel informed, not pressured.

Our Promise

New Horizons Lending is more than a mortgage company.
It’s a partnership.
A guide.
A loyal advocate in your corner from pre-approval to closing and long after the keys are yours.