Unlike other companies who try to find people to fit a limited range of products, we find the right product to fit the person. Most mortgage companies and loan officers will only look to see if you qualify at the time of application for their limited range of products. They are looking for cookie cutter buyers, so if you don’t come to them with a great credit score, W2 forms and check in hand for your down payment, they will assume you’re a denial. They are not knowledgeable of the various loans available for the nontraditional borrower, which are very complicated to understand and navigate. They don’t look at the whole picture to see if you can qualify in the near future, and they certainly won’t advise you on how to improve your credit. Simply put, if you do not meet their strict criteria for a mortgage approval, they are not interested in talking to you.
We assess your entire financial picture and imagine what type of loan would work for your needs. We then reach out to our large network of lenders and find that perfect product for you. We work closely with our clients, sometimes over many months, to meet the mutual goal of getting you qualified.
You can count on a pre-approval from us! We really know our stuff. If we issue a pre-approval, you can rest assured that your loan will be approved. Most pre-approvals aren’t worth the paper they are printed on. We don’t want to waste your realtor’s time either!