Lending Disclosures

Last updated: July 21, 2026

Who we are

Eniji Lending is a brand of Eniji LLC, a wholesale loan brokerage located at 1209 Mountain Rd Pl NE, STE R, Albuquerque, NM 87110. Eniji Lending is not a direct lender. All loans are underwritten, funded, and serviced by third-party lending partners, each maintaining its own underwriting criteria, rates, and terms.

Business-purpose loans only

The loan products described on this site are for non-owner-occupied residential investment property — business-purpose loans. We do not broker consumer-purpose or owner-occupied residential mortgages. Because these are business-purpose loans, they are generally exempt from federal NMLS registration requirements under the SAFE Act and from certain consumer-mortgage regulations, including RESPA. Borrower protections applicable to consumer mortgages may not apply to business-purpose loans.

Licensing

State-level broker licensing requirements for business-purpose loans vary by jurisdiction. Eniji LLC brokers loans where state law does not require additional licensing, and is in the process of obtaining required licenses in regulated states. We confirm eligibility for your specific transaction at scenario review and do not initiate brokerage activity in any state where we do not hold the required authorization.

How we're compensated

Eniji is compensated by the wholesale lender at closing. Broker compensation is disclosed on your commitment letter and settlement statement before you close. We do not charge borrowers direct broker fees. Because compensation comes from the funding lender, we disclose it in writing so you can see the all-in cost of the loan — rate, points, and fees — before signing anything.

Referral compensation

Eniji operates a referral partner program under which agents, contractors, attorneys, CPAs, and other professionals may receive compensation for referring closed business-purpose loans. Referral compensation is paid from Eniji's broker fee and does not increase a borrower's loan cost. Referral eligibility is verified per partner and per state before payment. If a partner referred you, you are entitled to ask about that relationship.

How to read terms on this site

• All rates, LTV/LTC/ARV figures, loan ranges, DSCR minimums, and closing timelines shown on this site are indicative ranges, not offers. They reflect typical current-market parameters and vary by lender, state, property, and applicant profile.
• Scenario profiles shown on the site are illustrative of common patterns in investor lending. They are not specific past clients, and are not a promise of similar terms.
• Pre-qualification does not constitute a commitment to lend. Actual terms are established only in a written commitment from a lender.
• State-specific commercial financing disclosures, where required, are provided at the time a specific offer is made.

Credit inquiries

Initial qualification uses a soft credit pull, which does not affect your credit score, and occurs only if you choose to proceed after our initial scenario call. A hard inquiry occurs only when you accept a specific lender's term sheet and enter formal underwriting.

Questions

Email hello@enijilending.com or call (575) 363-4013, Mon–Fri, 8a–6p MT.