Mortgage without the hassle


Our Mission Is To Become Your Next Best Choice


Years Of Experience


Mortgages Closed


Veteran Homes


Mortgages Funded


Your VIP Experience

Choosing a mortgage provider is your choice and can be tough. This have changed in this industry but we still hold onto the values that homebuyers are human and have needs.

Personalized Pre-approval Interview with Ease

We do not have a box to fit into. We listen to your needs and provide valuable feedback in the pre-approval process. You may have a great agent to home search but we are here for you and want you to make a great choice.

Under Contract - Loan Process

Once you have a home under contract to purchase, this is usually the stressful time. Yes, searching is too, but now you are on a timeline. Don't worry we handled this in the previous phase. Just follow us to the closing table. #preperation

Closing and Costs

Once we are at this stage, you will have gotten all your questioned answered, costs disclosed, dates delivered. Just show up and receive the keys to your new home. We provide clarity from the start, while others use bait and switch at close costs. #honestly


What do I need to qualify for a mortgage?

Typically, you need 2 years of stable income, a good credit score (620+, conventional loan/ 580+), a reasonable amount of debt (a debt-to-income ratio lower than 35% is preferred), and a down payment (which can vary from 3% to 20% or more, depending on the type of loan). Documentation you'll need to provide includes W-2 statements, pay stubs, tax returns, and bank statements.

We make this process easy with our passionate loan officers. Reach out to us for help. We can find you grants for down payment and the others areas can vary, person to person. We can usually get you a mortgage even if you do not have all the above.

How much can I borrow?

The amount you can borrow depends on your income, credit history, the down payment you can make, and your current debts, among other factors. We use these to determine your debt-to-income ratio, which helps us assess your ability to repay the loan.

Pre-approval with us will give you a solid understanding of how much you might be able to borrow. We provide a personalized interview where we not only provide a pre-approval but valuable buying knowledge so you make the best purchase decision.

What is the difference between a fixed-rate and an adjustable-rate mortgage (ARM)?

A fixed-rate mortgage has the same interest rate for the entire loan term, making monthly payments predictable. An adjustable-rate mortgage (ARM) has an interest rate that may change periodically depending on changes in a corresponding financial index that's associated with the loan. Initially, the interest rate for an ARM might be lower than that of a fixed-rate mortgage, but it can increase or decrease over time. We do not have control over this change.

We help you better understand this in our interview process. This way you may want to go with an ARM as the market is high, but if your experts say the rates will drop over time, it will definitely benefit you now and later on you could refinance at a lower locked in rate. We are happy to speak with you about this.

What are closing costs, and how much should I expect to pay?

Closing costs are fees associated with finalizing your mortgage and can include appraisal fees, title insurance, and escrow fees, among others. They typically range from 2% to 5% of the purchase price of the home.

We provide all this in a transparent way by giving you a Closing Disclosure form that outlines these costs, so you know exactly what to expect before closing day and because we have been doing this so long, we have some of the lowest fees in the industry. We promise our numbers will be true and honest, all the way to closing.

Some competitors will disclose inaccurate costs and at closing, find added taxes and third party fees. They can legally do this, as it is not a fee they charge. We may, at first, seem more costly than these misleading competitors, but it is because they are not disclosing something. We are welcome to do a comparison with you.

What our customers say about us!


Jane Doe

Home Owner

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nulla ut nisi varius, convallis justo placerat, gravida enim.


Jane Doe

Home Owner

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nulla ut nisi varius, convallis justo placerat, gravida enim.


Jane Doe

Home Owner

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nulla ut nisi varius, convallis justo placerat, gravida enim.

Office: FL & GA

Text 833-240-2777


© Copyright 2024 . All rights reserved