Conventional
Competitive fixed and adjustable terms for strong credit profiles, with down payments starting at 3%.
Independent Mortgage Brokerage
Loan strategy built around your goals, not a lender script.
We compare wholesale lenders, align terms to your timeline, and keep the process transparent — from pre-approval through closing.
Wholesale relationships across the lender landscape
PrimeLendNorthPointValleyRateRidgeCapAspen Funding
Loan Programs
Six structures. One fit.
FHA
Flexible qualifying guidelines and lower down payment requirements for first-time and returning buyers.
VA
Zero down payment options and no monthly mortgage insurance for eligible veterans and service members.
Jumbo
Financing above conforming limits for high-value properties, with portfolio pricing across multiple lenders.
DSCR
Investment property loans qualified on rental cash flow rather than personal income documentation.
Non-QM
Alternative documentation paths for self-employed borrowers and complex income structures.
Pathways
Purchase Path
Buy with confidence
A pre-approval built on real underwriting review, so your offer holds up in a competitive market.
- 01Pre-approval sellers and agents take seriously
- 02Side-by-side wholesale lender comparison
- 03Rate lock strategy timed to your closing date
Refinance Path
Restructure debt and monthly cash flow
We model the break-even before you commit, so a refinance only happens when the math earns it.
- 01Lower the rate or shorten the term
- 02Consolidate high-interest debt
- 03Cash out for renovations or reserves
Financing structured for the property, not the average.
Purchase · Refinance · InvestmentCalculator
Model the payment before you talk to anyone.
Term
Estimated monthly principal & interest
$3,202
- Loan amount
- $520,000
- Total interest
- $632,606
- Payments
- 360
Estimate only. Figures exclude taxes, insurance, HOA dues, and mortgage insurance. Not a commitment to lend.
Process
Five milestones, no surprises.
You always know the current step, what we need from you, and what happens next.
01
Discovery
Goals, timeline, and credit picture — before any product talk.
02
Strategy
Wholesale options compared side by side, with real cost math.
03
Pre-Approval
Documented, underwriter-reviewed, and ready for offers.
04
Underwriting
Conditions cleared proactively, with status you can see.
05
Closing
Final figures reviewed line by line before you sign.
Clients
“They ran the numbers three different ways and told us the option that made them the least money was the right one. That is why we came back for the refinance.”
“Self-employed for eleven years and two banks turned me down. Here it took one call to understand the structure, and sixteen days to close.”
“Every disclosure arrived with an explanation before I had to ask. I have never had a lending experience feel this calm.”
FAQ
Questions we answer first.
Two years of tax returns and W-2s or 1099s, 30 days of pay stubs, two months of bank statements, and photo ID. Self-employed borrowers add business returns and a year-to-date P&L. We send a checklist tailored to your file before you gather anything.
Yes. Beyond standard documentation, we have lenders that qualify on bank statements, P&L, asset depletion, or rental cash flow through DSCR. The right path depends on how your income is structured — that is the conversation we start with.
Files reach close-ready status in about 16 days on average. Appraisal turn times, title work, and how quickly conditions come back are the main variables — we flag every dependency at the start so the timeline is realistic.
Resource Center
Learn the market before you enter it.
Mortgage Loans: A Complete Overview
Types, terms, and how the process works from application to closing — everything to understand before you apply.
Read the guide →First-Time Home Buyer Guide
From first search to funded loan — the full path for buyers making their first move.
Read the guide →Mortgage Rates: What Drives Them
What actually moves mortgage pricing, and how to compare offers beyond the headline number.
Read the guide →DSCR Loans for Investors
How investors qualify on rental cash flow instead of personal income documentation.
Read the guide →