Questions we hear a lot

Most brokers pay their loan officers a commission, so the officer has a financial incentive to push a more expensive product. Our loan officers are salaried; they get paid the same whether you take the cheapest option or the most expensive one. That removes the markup and the pressure, which is a big part of why our pricing is lower.

A few recent pay stubs, your most recent two tax returns, and bank statements are the usual starting point. But you don't need everything lined up to talk to us: call or start an application and we'll tell you exactly what we need for your specific situation. No personal information needed for a first rate.

We're licensed in six Western states: Arizona, Colorado, New Mexico, Oregon, Utah, and Washington. Based in Scottsdale, Arizona. If you're in one of those states we can work your file end to end.

Yes, that's a big part of what we do. Self-employment, investment properties, gaps in income, and other situations the big brokerages bounce you back on are things we work every day. If a large lender can't solve it, that's usually where we come in.

You can browse today's rates on our site right now, no account or email needed. For a personalized quote, we typically get back to you within one business day.

We work across conventional, FHA, VA, and jumbo products, and we'll match the loan type to what actually makes sense for your situation and goals, not just what's easiest to process.

Fewer management layers and no commissioned loan officers means fewer markups stacked on top of your rate. We've been doing this since 1996 and most of our business comes from referrals and repeat customers; we'd rather earn the next loan than overcharge for this one.