New Listing$685,000
NMLS #1234567 · Equal Housing Lender · Local since 2003
✦Local since 2003✦
Find your home.
Finance it right.
Real estate brokerage and in-house mortgage. Buy, sell, refinance — one team, one closing.
Top 10% Producer
40+ wholesale lenders
4.9 / 800+ reviews
Recognitions
Top 10% Local ProducerBBB A+NAR Member5-star Zillow
✦Featured properties✦
Homes on the market.
New Listing
Open House$549,000
For Sale$425,000
Just Listed$895,000
Pending$365,000
For Sale$725,000
Tour homes — get pre-approved first
Sellers prefer offers from pre-approved buyers · Same-day approval letters
✦Loan products✦
The right loan
for your situation.
Independent broker — we shop your loan across 40+ wholesale lenders. We win on rate 8 out of 10 times.
Most popular
Conventional
The standard loan for buyers with strong credit and steady income.
- 3% down minimum
- No PMI at 20% down
- Fixed or ARM
- Up to $766,550
First-time
FHA
Government-backed — easier qualifying for first-time buyers.
- 3.5% down
- 580+ FICO accepted
- Higher DTI allowed
- Up to $498,257
Veterans
VA
For veterans and active-duty service members. Zero down, no PMI.
- 0% down
- No PMI ever
- Funding fee only
- Re-usable benefit
Jumbo
For loans above conforming limits — luxury and high-cost markets.
- Above $766,550
- Competitive rates
- Fixed and ARM
- Custom underwriting
USDA
Rural-area purchases — zero down, income limits apply.
- 0% down
- Designated rural areas
- Income caps
- Lower MI than FHA
Active rates
Refinance
Lower your rate, shorten your term, or pull out cash for renovations.
- Rate-and-term
- Cash-out
- FHA / VA streamline
- No-cost options
✦Today's rates✦
Locked rates, every loan type.
| Product | Rate | APR |
|---|---|---|
30-Yr Fixed Most popular | 6.875% | 7.012% |
15-Yr Fixed | 5.875% | 6.045% |
5/1 ARM | 6.250% | 6.380% |
FHA 30-Yr | 6.625% | 6.880% |
VA 30-Yr No PMI | 6.500% | 6.625% |
Jumbo 30-Yr | 7.000% | 7.140% |
Rates as of today, illustrative · Actual rate depends on credit, LTV, lock period, and loan amount. Last refreshed daily at 9:00 AM ET.
✦Run the numbers✦
Mortgage calculator.
Estimate your monthly payment in seconds.
Estimated monthly
$2,365
Principal + interest (P&I)
Loan amount$360,000
Down payment$90,000 (20%)
Total interest$491,470
✦How buying works✦
Four steps. One closing table.
01
Day 1Get Pre-Approved
We pull credit, verify income, and issue your pre-approval letter — usually same day.
02
Days 2-30Tour Homes
Tell us what you want. We line up showings in your price range — sometimes before MLS.
03
24 hrsMake an Offer
We strategize the offer. You sign. We negotiate inspections, repairs, and seller credits.
04
30-45 daysClose
Loan locks, appraisal clears, attorney prepares docs. You sign. Keys in hand.
✦Meet the team✦
Agents and lenders, one team.
Real estate + mortgage under one roof. Fewer handoffs, faster closings.
JP
Jennifer Park
GRI · ABR · CRS
Broker · Owner
Listings · Luxury · Relocation
21 years. 400+ closings. The agent your friends will tell you about.
TR
Tomás Rivera
NMLS #2345678
Loan Officer
Conventional · FHA · VA
Closed $42M last year. Returns texts at 9pm. The reason rate lock matters.
SO
Sarah Okafor
ABR · MRP
Buyer's Agent
First-time buyers · Veterans
Walks you through it the way she walked her own brother through it last year.
DC
David Cohen
NMLS #3456789
Senior Loan Officer
Jumbo · Refinance · Investment
Mortgage since 2008 — through every rate environment. Math is plain on a napkin.
✦800+ verified reviews✦
Stories from the closing table.
Listing
“Jennifer found us a house off-market two weeks before it would have hit MLS. Closed at asking, no bidding war. Twelve years later, we still send her referrals.”
MC
Mark & Lisa Chen
Sold + bought · 2012, 2018
Mortgage
“Tomás locked our rate the morning before the Fed announcement. Saved us $86 a month. He just knows when to pull the trigger.”
MH
Marcus Hill
First-time buyer
Buying
“Sarah was patient when we walked away from three houses. House #4 was the one. She actually listened — didn't pressure us once.”
AB
Anna & Wesley Brown
Buyer's agent · 2024
✦Common questions✦
Buying + financing.
How much do I need for a down payment?
It depends on the loan. Conventional starts at 3% down, FHA at 3.5%, USDA and VA at 0%. We will run scenarios for you so you see the actual monthly difference between putting 5%, 10%, and 20% down.
Can I get pre-approved before I find a house?
Yes — and you should. Pre-approval shows sellers you can actually close. We do same-day pre-approval letters for most buyers. It is free and does not commit you to working with us.
How are you different from Zillow / Redfin / Rocket Mortgage?
They are a website. We answer the phone. We know your school district, your contractor, your title attorney. When the inspection finds black mold at 9pm Friday, we already have a plumber lined up for Monday — they have a chat bot.
Are your mortgage rates competitive?
We are an independent broker — we shop your loan across 40+ wholesale lenders. We win against retail banks 8 out of 10 times on rate, and we never charge a junk fee.
Should I refinance? Rates are still high.
Run the math, not the headline. If you can drop your rate 0.75% AND you plan to stay 3+ years, it usually pays off. We do refinance breakeven analysis free — bring your current statement, we will tell you the truth in 15 minutes.
How long does closing take?
Average 30-45 days for purchase, 30 days for refinance. We have closed in 14 days when sellers needed it. Speed comes from local relationships — local title, local appraiser, local underwriter — not a 1-800 number.
✦ Same-day pre-approval ✦
Sellers prefer
pre-approved offers.
Get yours today.
Soft pull only. Doesn't affect your credit score. Free, no commitment, no spam.
Same-day pre-approval letter
No credit hit (soft pull)
Locked rate for 60 days
Visit
500 Main Street, Suite 200 · Your City, ST 00000
Free parking · Walk-ins welcome
Hours
Mon – Fri · 9:00 AM – 6:00 PM
Sat – Sun · By appointment · Showings welcome
Call or text
(000) 000-0000
hello@yourrealty.com