Questions? Start Here.

Yes. We provide full mortgage guidance in both English and Spanish, from your first conversation through closing.

Nothing. Pre-qualification is free and comes with no obligation. It is a simple way to understand your options before you commit.

A bank can only offer its own products. As an independent brokerage, we work for you, not one lender. That means access to a wide range of loan programs and the ability to find the fit that serves your goals.

It depends on the loan program and your situation. Several programs offer low or even zero down payment options for eligible borrowers. We will review what is available based on your goals.

Yes. Bank Statement and 1099 programs are designed for self-employed borrowers, independent contractors, and those with non-traditional income documentation.

Yes. ITIN loan options are available for borrowers who use an Individual Taxpayer Identification Number instead of a Social Security Number.

Timelines vary based on your loan type, documentation, and property. Many purchases move from application to closing in roughly 30 to 45 days, but we will set clear expectations for your specific situation.

Basic information through the pre-qualification form on the Contact page: your name, contact details, loan purpose, and a general picture of your goals. From there, we will outline the next steps together.

More than you'd think. We've got a processor, an underwriter, real estate agents, and a credit repair team all working behind the scenes to get you to the finish line. Oh, and Ax has a dog who sits in on every call and a black cat running night recon from the roof. Neither is licensed. Both are deeply committed.