Buying a home is often the largest financial decision Americans make. Our mortgage consulting practice helps you navigate conventional, FHA, VA, USDA, and jumbo loan programs with clarity—so you understand rate locks, points, PMI, and closing costs before you commit.
Loan programs we consult on
- Conventional: 3–20% down, PMI removable at 20% equity
- FHA: 3.5% down, credit scores from 580
- VA: Zero down for eligible veterans and service members
- USDA: Rural property financing with low down payment
- Jumbo: Loans exceeding conforming limits ($766,550+ in most areas for 2026)
Purchase vs. refinance
Purchase loans fund new home acquisitions. Refinance loans replace your existing mortgage—often to lower your rate, switch from ARM to fixed, or access equity through cash-out refinance. We analyze break-even timelines so you know when refinancing pays off.
Investment properties
Landlords and real estate investors face stricter requirements: larger down payments (typically 15–25%), higher rates, and reserve requirements. We match you with lenders experienced in DSCR and investment property underwriting.
Timeline and documentation
Most purchase mortgages close in 30–45 days. You will need W-2s, tax returns, bank statements, employment verification, and property appraisal. We provide a customized document checklist and review your file before lender submission.
Disclaimer: We are not a mortgage lender or broker licensed in all states. Lending decisions are made by licensed institutions.
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