Mortgage Brokers

Mortgage brokers get their rates at wholesale levels, below what a consumer can get either walking into or calling a bank. The financial expense is important and so is the service. Considering those two very important variables, utilizing a remarkable mortgage broker is a win/win proposition, process, and end result. Money is service and service is money. Meaning, if you are working with an exceptional mortgage broker, any fees you pay will not just provide you special service in terms of process, but all things considered, the overall cost of the loan will be less expensive


We know about many types of home loans that are generally not known to the public and may not be available from your local bank or credit union. And we know which lenders offer what kinds of loans: fixed-rate, adjustable rate, conforming, jumbo, and balloon, FHA/VA, first time home buyer, and more.

So, you see we are a special addition to your home buying team. You get all of the advantages of working with someone who's covered the territory before, and who can show you the smoothest, fastest route to your new home loan.


Day in and day out, we work with lenders to find home loans for people like you. Our network professionals have the expertise to guide you through this complex process and provide you with intelligent advice regarding the kind of loan that best suits your needs and the right lender for you.


We have helped a wide range of borrower's secure loans from a variety of lenders, we have seen just about every circumstance possible. We have the experience to deal with your home loan needs – no matter how unique you might feel they are.


Before a loan application is submitted to a lender, we work with you to verify your credit. We order a credit report, obtain an appraisal of the property you are buying or refinancing, and also prepare your loan package for submission to a lender. This helps eliminate delays and gets you the answer you need sooner!


When buying or refinancing a home, timing is critical. We save time for both you and the lender by processing your loan before submitting it to the lender. That means we make sure all the documents are complete and in the file. Because we take time to do this, the likelihood of your loan being approved quickly increases. And in many cases, we can save you time by coming to your home or office to handle the paperwork.

Shopping Process

Part of our job is to monitor home loan interest rates and terms offered by many lenders that meet your unique qualifications. This saves you the time and trouble of doing it yourself and ensures that you get the best loan possible. Often, this means saving thousands of dollars over the life of your loan.


Working with us can bring extra value to your home buying experience. We bring an advanced level of service, while you concentrate on moving into your new home.


Original Organization


We will spend a breakthrough deal of time helping you complete the often lengthy and complicated application required by lenders, as well as gather and organize the appropriate documents you will need to put your loan together to submit to a lender. As professionals, we will make the process quick and painless for you!

Mortgage brokers are companies or individuals that work closely with wholesale mortgage lenders and secondary market investors to provide their customers with a wide selection of mortgages. A mortgage broker originates loans while the mortgage lender funds the loans. Banks normally offer only a small number of loan options to their customers.

Mortgage brokers, on the other hand, deal with a vast number of mortgage lenders. This increases the variety of loans that can be offered to our customers. This also enables us to find the ideal loan for your needs from a Loan Officer that is knowledgeable loan programs and about the entire loan process, knowledge to help borrower's secure the best loan to fit their needs. We first try to find out as much as possible about the needs of the customers and then look at all available mortgage programs. Another big advantage to using a mortgage broker is that we deal with mortgage lenders from across the nation. This helps to guarantee that the customer will have complete access to the most competitive rates and options that are available.

When buying a home, do you try to negotiate and complete all the proper paperwork, contract, and addendums on your own? Or do you utilize the services of a real estate agent? When Mr. Tax collector comes to perform an audit on you, do you deal directly with the IRS yourself? Or do you hire an Accountant? Should you consider a Certified Public Accountant?

Once legal problems arise, do you try to analyze your legal issues, initiate, and execute the entire process on your own? Or do you use an Attorney? In the area of real estate finance, mortgage brokers are the experts. A seasoned mortgage broker should know what loan is going to be best for you and your situation and goals, short and long-term. Our network of extraordinary and often innovative mortgage professionals is made up of hundreds of lending resources and the advantage is that we are not bound by the limitations of One single bank. We are not even limited to one broker. As smaller institutions, their staffs are typically more responsive to your needs, so those drop-dead funding dates always take priority. We all know financing is about selection, the more choices you have, the more programs and lower rates you will get. As a mortgage broker, we make lenders compete for your loan. This is a natural process.

If you are like most consumers, you probably think your home is the single largest purchase you will ever make, but it is not, your mortgage is. Do you realize that as little as a half of a percent difference in your loans interest rate can cost you tens of thousands of dollars over the life of your loan? Imagine what you could do with all that money. That is the financial edge a mortgage broker can give you.

An advanced Realtor helps you sift through your personal requirements, set proper expectations, organize your thoughts, and negotiate your deal. A good Realtor is an invaluable sounding board during the frustrating times that can pop up during the acquisition of your new home. They look out for you making sure you have asked all the right questions about the neighborhood, school systems, and essential services like police and fire. Your real estate agent will ensure that you choose a house that becomes your family's home. Let a professional mortgage broker handle the investment side of your purchase. That is what we do.

Obtaining the mortgage you want to purchase your dream home or refinance can feel like a full-time job. But you probably already have a full-time job! That is why so many homebuyers turn to us to help them find the right home loan.

As your mortgage broker, we offer the homebuyer several ongoing advantages over shopping for a home loan as an individual.