Linkhome signs deal for Mortgage One Group to expand AI-driven lending footprint

Linkhome Holdings Inc. has agreed to acquire Constant Investments Inc., dba Mortgage One Group, a move that will speed the national rollout of its AI-powered Cash Offer and Buy Before Sell programs. Financial details of the deal were not disclosed.

Announced on Wednesday, the deal would give Nasdaq-listed Linkhome 100% of Mortgage One Group’s equity interests, subject to customary closing conditions. The transaction is expected to close on or before July 1. 

Mortgage One Group operates through eight branch offices, holds mortgage lending licenses in 18 U.S. states — including eight currently active state licenses — and has a team of roughly 30 loan officers and nine loan managers. The company also maintains an $18 million warehouse line of credit.

Mortgage tech platform RETR shows the company originated about $174 million in volume over the past 12 months, with most of the volume tied to purchase and conventional loans. Texas and California are its main states of business.

“This is a defining moment in Linkhome’s journey to redefine how Americans buy, sell, and finance their homes,” Zhen (Bill) Qin, CEO of Linkhome, said in a statement. “Mortgage One Group brings us a talented team, an established multi-state lending platform, and a foundation we believe is well-suited for the AI-driven future of housing finance.”

Qin said the company expects the combination of Mortgage One Group’s lending capabilities and Linkhome’s AI technology to support a “faster, smarter, and more transparent mortgage experience,” helping more Americans become homeowners. Its AI-powered platform spans real estate brokerage, mortgage origination and consumer home finance.

Linkhome said it plans to integrate its proprietary AI capabilities across Mortgage One Group’s lending platform to support loan processing, underwriting assistance, borrower communication and operational automation. 

The company said programs like Cash Offer and Buy Before Sell depend on integrated capital and underwriting capabilities to guarantee or advance funds on tight timelines. 

Following the closing, Linkhome plans to apply for additional licenses with a long-term goal of nationwide mortgage and housing finance operations.

Flávia Furlan Nunes reported and wrote this article with drafting assistance from HousingWire Automation, an editorial tool that helps transform announcements and industry data into HousingWire-style news coverage.