Asked questions

Frequently Asked Questions

• What is a Mortgage Broker?

  A mortgage broker is a loan originator who connects you (the borrower) with a lender that best fits your financial situation and interest-rate needs. We are not confined to guidelines set by a specific lender, and instead are able to sift through 200+ lenders with whom we’ve formed partnerships with.

• Why choose a Mortgage Broker?

  Many reasons! As an independent broker, we have a strong incentive to make you happy with the conditions of your mortgage. Or else, we don’t get paid! Because of this, it’s absolutely essential that we provide you with around the clock service, an easy and efficient application process, and an interest rate that you’re happy with.

• How do you find me the best rate?

  As a mortgage brokerage that is well-connected in all 50 states, we have formed many lender partnerships over the years. As such, we can work with whatever you have to find you the best lender match.

• Why are some lenders more expensive than others?

  Each lender provides value in different ways. Some lenders are very fast in their underwriting and back-end process, while others could leave you waiting weeks with little to no communication - even if they provide the best rate! This is why it’s important to first understand what you are looking for, and what your financial situation is before sending your loan to a lender.

• What are Non-Conforming Loans?

  These are mortgages that are often used for investors, business owners, and independent contractors. They do not fit government agency guidelines, so their terms vary greatly between lenders.

• What are your fees?

  We as a brokerage do not have any origination fees. The lender we choose to go with will provide the underwriting fee, and all other fees will be determined by title and insurance. The lender’s loan estimate will be provided before loan submission, indicating an accurate representation of all fees to be paid at closing.

• What documents do I need to provide?

  It depends! In most cases you will need to provide bank statements, tax returns, paystubs, a credit report, and other documents to help the lender understand you as a borrower. Luckily, our online application makes the process of applying very intuitive and of course, if you ever have any questions you are welcome to reach out at any time.

• Can I lock my rate?

  Yup! Your rate is almost always locked for 30 days once your application is approved and you want to continue. Depending on the lender and their fees, you are also able to lock your rate for the next 60, 90, or even 120 days.

• How long does the loan process take?

  This will very much depend on how responsive everyone is throughout the process. This question also goes back to what you may prioritize in a lender. Most pre-approvals can be done in less than 24 hours, and most loan submission to close times are between 10-21 days.

Need Help Getting Your Mortgage?

We strive to make each interaction with us not just a transaction, but a personalized experience that leaves you feeling heard, understood, and valued. We take the time to fully understand your unique financial situation, goals, and preferences, using this insight to find the mortgage loan that fits your needs perfectly.

Get An Appointment