We find the best real estate loan program for your purchase or refinance, and handle everything from our initial conversation through closing and funding.

Specifically, we:

  • Explain Everything about the process, let you know what exactly what to expect, and answer your questions.
  • Advise you on how to enhance your situation to save you money prior to lenders looking at your application.
  • Present You In The Best Light – We know what lenders look for and emphasize the positives.
  • Simplify the process by handling everything.
  • Day Pre‐Qualify Letters and/or Approval in most cases.
  • Negotiate on your behalf with lenders for the best terms (rates, fees, conditions, etc.) for you.
  • Move Quickly & Keep You Informed every step of the way.

Why Brokers Are Better Than a Bank

We are a Mortgage Broker not a Mortgage Banker

There is a vast difference between a Mortgage Broker and a Mortgage Banker.

A Mortgage Banker is an entity with the money to lend (usually a bank, but sometimes referred to as a direct lender).  As a for profit entity, they have no fiduciary duty to act in their customers best interests. The programs they offer and suggest are likely the ones that make them the most money. The burden is on the consumer to be knowledgeable and perform due diligence by shopping around.  Caveat Emptor.

A Mortgage Broker is an entity with a fiduciary duty to act in your best interests. We demonstrate that by creating a loan package and presenting your loan to multiple Wholesale Mortgage Lenders to get you the best program.

Click Here to read more about Mortgage Broker vs Mortgage Banker.


Experience is not important until it is. When an unforeseen problem surfaces (and they do), experience is the most important factor in moving your loan forward. Our tight network of loan professionals have nearly two hundred years combined know-how to see your loan through to a successful funding.

Personal Service

Through customer feedback, we have discovered that our customers value our consistent communication, availability when they called, and our follow through, and the closing of their loan in a timely manner. Our dedication to our clients allows us the privilege of becoming trusted advisors.


We exceed state & federal regulations when it comes to the security of your information. Our data center is Soc II compliant (read here why that is important), we only use in house processing to ensure no offshore, third or, unnecessary parties see your information.


We continue to integrate mobile and cloud technology which makes the loan process easier, faster, and more secure.


We welcome your questions.

We will gladly answer your questions, even the second time you ask 😊.

Licensed & Insured

Our Mortgage Loan Officers (MLO) are licensed and registered with both the Department of Real Estate (DRE) and the Nationwide Multistate Licensing System (NMLS).

While we follow all regulations and guidelines, sometimes mistakes happen which is why we protect ourselves and our clients by carrying Errors & Omissions Insurance, General Liability Insurance, and Workers Compensation Insurance (MLO’s are employees not 1099 contractors).