Refinance and put your home’s value
to work for you
Loan Programs
We can help you make a purchase, lower your
payment, take cash out, or consolidate debt.
Get personalized refinance solutions designed to meet your unique financial goals. Whether you want to invest, consolidate debt, or get cash for home improvements, we’ve got you covered.
Leverage our competitive rates and expert guidance to secure a lower interest rate and monthly payment. Get more financial flexibility by unlocking more savings over the life of your loan.
Get closer to the finish line with our refinancing options that help you take control of your financial future. Repay your loan faster and enjoy the benefits of homeownership sooner than you thought possible.
Discover mortgage insights and best practices
Frequently Asked Questions
1. What Is the Difference Between a Mortgage Broker and a Lender?
A mortgage broker works as a middleman between borrowers and lenders, helping you find the best loan product from a variety of lenders. A lender is a financial institution that directly funds the loan. Brokers offer more options and can often negotiate better rates by comparing multiple offers.
2. How Much Do Mortgage Brokers Charge?
Mortgage brokers typically earn 1-2% of the loan amount, but the cost varies depending on the loan size and complexity. In many cases, the lender covers the broker’s fee, meaning it doesn’t come out of your pocket. Be sure to ask if there are any upfront costs before proceeding.
3. How Long Does the Mortgage Approval Process Take?
The mortgage approval process generally takes 30-45 days from application to closing, but timelines can vary. Factors such as the type of loan, the complexity of your financial situation, and the lender's efficiency can impact the duration. Working with a mortgage broker ensures faster communication and smoother coordination between you and the lender.
4. Can a Mortgage Broker Help with Bad Credit?
Yes! A mortgage broker can connect you with lenders specializing in loans for individuals with less-than-perfect credit. They may also offer advice on how to improve your credit score before applying, increasing your chances of qualifying for better terms.
5. What Documents Do I Need to Apply for a Mortgage?
To apply for a mortgage, you’ll typically need:
- Recent pay stubs
- Tax returns and W-2s for the past two years
- Bank statements for the last few months
- ID (such as a driver’s license or passport)
- Proof of down payment funds
Your broker will provide a detailed list based on your specific loan type.
6. Why Should I Use a Mortgage Broker Instead of Applying Directly with a Bank?
A mortgage broker offers access to multiple lenders, increasing your chances of finding better rates and terms. They also handle the paperwork, negotiation, and follow-up on your behalf, saving you time and reducing stress. If you have unique financial circumstances, a broker can guide you to specialized loan programs that may not be available directly through banks.
