Let's talk about your mortgage

Most lenders look for a score around 680+ for the best rates, but it's far from the only factor. Income, down payment, and overall financial picture matter too. We also work with lenders who specialize in lower scores, so a number alone rarely takes you out of the running. Let's talk through your situation.

For most residential mortgages, our service is typically free to you, since the lender pays our commission when your mortgage funds. For specialized or private lending, any fees are always disclosed up front in writing before you commit. No surprises.

Often within 24 hours of receiving your documents. A pre-approval gives you a rate hold and a clear budget so you can shop with confidence.

Absolutely. Self-employed borrowers are one of our specialties. We work with lenders who understand business income and use a range of programs, including stated-income and bank-statement options, to get you approved at a competitive rate.

A bank can only offer its own products. We shop 30+ lenders on your behalf (banks, credit unions, monolines, and alternative lenders), which creates competition for your business and often a materially better rate or structure than a single branch can offer.

When you're ready to move forward, a single inquiry has only a minor, temporary effect. Because we submit to the right lender the first time, you avoid the repeated pulls that come from shopping bank to bank yourself.