I left the "bank model" of mortgage lending to open my own mortgage brokerage, where I can control and deliver LOWER rates, fund loans MUCH quicker, offer any and all products on the market (where banks can only offer THEIR Limited products). Options down to a 500 credit score. I am a 1 man shop with very little overhead, which allows me to take a lower broker compensation than most lenders, this results in a lower rate for my customers. Please call/text/email for a free, no pressure mortgage review. We'll go over your current situation and see if there is a better rate or program to suit your needs. If you own a home or are looking to buy, you NEED to call me, I will save you money! I also offer many other loan programs ...such as stated income for self employed people (need CPA letter , call for details.) ... mortgages that only look at the income generated from THAT property for purchases and refi's ( no tax returns!) Lastly I grew in this area and I am happy to meet with you to go over your situation!