Choosing the right home lending partner
We act independently
for your interests only
We build a plan around you
“When you are shopping for a loan, you need someone on your side who understands how things work here.”
LOAN PRODUCTS
Refinance
Lower your monthly payments
Purchase
Finance your dream home
Fix & Flip
Buying, renovating and reselling
Renovation
Financing home renovation projects
Commercial
Grow your business with flexible funding
Alternative
Non-traditional financing options
Construction
A reliable financing option for your project
Reverse
Unlock equity in your home
Why Should I Hire an Independent Mortgage Consultant?
Identify your
Financing Needs
A mortgage broker will work with you to understand your financing needs and goals, such as how much you can afford to borrow, the type of property you are interested in, and the length of the mortgage term you prefer.
Review your
Financial Situation
The mortgage broker will review your financial situation, including your credit score, debt-to-income ratio, employment history, and any assets or liabilities. This will help them determine which mortgage products you may be eligible for and what terms and rates you may qualify for.
Finds the right Mortgage Options
The mortgage broker will use their knowledge of the mortgage market and their relationships with different lenders to shop around for the best mortgage options for you. They will present you with a range of options, including different loan types, terms, and rates, to help you compare and choose the one that best fits your needs.
Assist with the Mortgage Process
The mortgage broker will help you complete the mortgage application and gather any necessary documentation, such as proof of income, employment, and assets. They will also work with the lender to ensure that the application is processed smoothly and efficiently.
Coordinate the
Closing Process
Once your mortgage has been approved, the mortgage broker will help you finalize the details of the loan, such as the terms and conditions, and coordinate the closing process. They will also help you understand any closing costs and other fees that may be associated with the loan.
Why work with us?
Shops all banks and lenders on your behalf
All Licensed Mortgage Advisors are trained to identify the best mortgage rate for your needs.
We speak your language to help with the process
Our team of Mortgage Advisors speaks various languages and is always available to assist.
Service is always free of charge for borrowers
Our service and consultation will always be free of charge.
Hear From Our Clients
Megan’s Story
Jame’s Story
“It has been an amazing experience with your mortgage advisory. I will be happy to refer any of my family and friends to your mortgage firm.”
Dan’s Story
“I was very happy with the communication between the advisory team and myself.“
$10.1M
Purchase
$18.2M
Refinance
$24.1M
Equity Line Of Credit
$20M
VA Loans
$24.1M
FHA Loans
$43.4M
Conventional Mortgage
How long would it take for a loan to be funded?
The length of time it takes for a loan to be funded can vary depending on a number of factors, including the type of loan, the lender, and the borrower’s financial situation and documentation.
In general, the mortgage lending process can take anywhere from a few weeks to several months.
Let Us Help You
Service free of charge
Free Mortgage Evaluation
Your 100% free (no obligation) consultation is always with a licensed Home Lending Advisor from our offices. The details you share are held in strict confidence.
By submitting a request, you agree to our privacy policy.
Mortgage Home Loan
Frequently Asked Questions
A mortgage is a loan used to purchase a home. The borrower agrees to pay back the loan, with interest, over a set period of time, typically 15 or 30 years.
To qualify for a mortgage, you typically need to have a good credit score, a stable employment history, and a sufficient down payment. You will also need to meet the lender’s underwriting guidelines, which may include requirements such as a minimum debt-to-income ratio and a minimum credit score.
The amount you can borrow for a mortgage will depend on your income, debts, and credit history, as well as the lender’s underwriting guidelines. In general, lenders will consider your debt-to-income ratio, which is the percentage of your monthly income that goes towards paying debts, when determining how much you can borrow.
There are several types of mortgages, including fixed rate mortgages, adjustable rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans. Each type of mortgage has its own characteristics and may be more suitable for certain borrowers depending on their financial situation and goals.
Closing costs are fees associated with obtaining a mortgage, such as lender fees, appraisal fees, and title insurance. These costs can vary depending on the lender, the type of loan, and the location of the property. In general, you can expect to pay 3% to 5% of the purchase price of the home in closing costs.
There are several things you can do to help get the best mortgage rate: shop around and compare offers from multiple lenders, improve your credit score, make a larger down payment, and consider a shorter loan term. You can also consider working with a mortgage broker, who can help you find the best rates and terms.
Yes, you can refinance your mortgage to lower your monthly payments, pay off your mortgage faster, or access equity in your home. However, it is important to consider the potential costs and benefits of refinancing, as well as the terms of your current mortgage and the rates and terms available from other lenders. Factors to consider when deciding whether to refinance include your current interest rate, the length of your loan term, and your financial goals. It is a good idea to consult with a mortgage professional to determine if refinancing is a good option for your situation
