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It's part of our mission to position you as the most prepared home buyer in the market. Why? Because we believe the dream of homeownership is for everyone.


We go above and beyond to equip you with the knowledge, resources, and support you need to stand out among other buyers. By providing you with comprehensive guidance and personalized strategies, we ensure that you're well-prepared and confident throughout the home buying journey.

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You deserve to be a successful homeowner.

Let us guide you there.

Know the Difference

Pre-Qualified

Obtaining a pre-qualification requires providing us with a holistic view of your financial situation, including details on your debts, credit, income, and assets. We carefully review all the information and provide you with an estimate of the amount you can qualify for.


Typically, pre-qualification is a quick process that takes just one to two days. Once completed, you will receive a pre-qualification letter, a list of necessary items, and a loan estimate.


However, it's important to note that pre-qualification is based solely on the information you provide verbally and/or online for your application. It does not include a thorough analysis of your supporting documentation. Our focus is to provide you with an initial assessment based on the information provided, so you can take the first steps towards your home financing goals.

Pre-Approval

To obtain an official Pre-Approval letter, you will need to provide us with all the necessary supporting documentation as listed in the "items needed list."


Our team will thoroughly review and validate all the documentation you provide, allowing us to furnish you with an official Pre-Approval letter for a specified amount.


Going through the Pre-Approval process places you, the buyer, in a formidable position when competing with other buyers for homes. In today's highly competitive buyers' market, sellers prioritize serious buyers who have diligently completed their due diligence and obtained full Pre-Approval. By obtaining this official documentation, you demonstrate your readiness and financial capability, maximizing your chances of successfully securing your desired home.

Our Process

Step 1

Discovery

Before we can prescribe a mortgage strategy, we need to learn about you, your unique financial situation, and your long-term goals. We want a solution that helps your immediate needs while also supporting long-term goals.

Step 2

Strategy

We carefully analyze mortgage options to find the lowest cost and highest prosperity potential for you and your family. You'll receive a digital Total Cost Analysis, providing a clear breakdown of your mortgage options.

Step 3

Execution

Our utmost priority is to create a flawless home loan experience tailored to your needs. In a highly competitive market, we excel at positioning you for a swift loan closing, ensuring you don't miss out on opportunities. 

Step 4

Wealth Maximization

Even after you've settled into your new home, our commitment to you doesn't end. We continue to proactively manage your mortgage and provide ongoing guidance to help you maximize your wealth. This is just the start of our relationship!

Loan Options

We don’t want you to feel like you’re wandering in the dark when it comes to finding the right home loan for you. That’s why we have so many illuminated loan paths for you to go down!


Between loan options for first-time homebuyers or loan options for bad credit, it’s our mission to elevate individuals like yourself and help you to unlock your full potential through finances.

Conventional Loans

Helping you live the dream of homeownership. For first-time buyers to experienced homeowners, conventional loans come in a variety of options to suit a broad spectrum of qualified borrowers.


  • 3% payment required
  • Minimum credit score of 620

FHA Loans

Making home ownership accessible and affordable. The FHA loan is a great product that helps many people become homeowners. FHA loans are designed to benefit buyers who do not have perfect credit or a large down-payment.


  • Great for first-time home buyers
  • 3.5% down payment required
  • Minimum credit score of 600
  • 6% sellers assist allotted

VA Loans

Let your military service bring you to your dream home. The VA loan is an excellent loan option that assists our Veterans with obtaining home ownership.


  • Great for active military and veterans
  • No down payment required
  • Minimum credit score of 620

USDA Loans

The USDA home loan program helps lenders work with low and moderate-income families living in rural areas to make homeownership a reality. Providing affordable homeownership opportunities promotes prosperity, which in turn creates thriving communities and improves the quality of life in rural areas.


  • Great for first-time home buyers
  • No down payment required
  • Minimum credit score of 620
  • Low fixed rate
  • Low monthly mortgage guarantee fees

Items Needed for Pre-Approval

When you prepare for the pre-approval process, make sure you have these items ready to go to make things go faster:


  • W2s from the last two years 
  • 1040 Federal Tax Returns from the last two years (all pages) 
  • Business tax returns and K1s (for business owners only)
  • 2 most recent paystubs 
  • 2 months of recent statements for all assets (checking, savings, money market, retirement, etc.) 
  • Driver’s license or passport 
  • Other documentation we might need may include:
  • Offer letter for employment, school transcripts, social security or pension award letters, divorce decree, bankruptcy papers, and short sale documentation
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