Buy. Refinance. Enjoy your home.

We know that buying a home, refinancing, and taking on the responsibility of home ownership is an exciting time. We’re here to make it as easy as possible. Here at ML Mortgage, your home is our business.

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OUR COMPANY

Connect with a mortgage loan advisor in your community.

At ML Mortgage, we understand that the home mortgage process can be one of the biggest financial decisions of your life, so we have dedicated ourselves to ensuring that the process is as friendly, streamlined, and makes as much financial sense to you as possible. We at ML Mortgage understand that it’s a BIG DEAL. That’s why, since 2007, we have been helping homeowners get into the homes they want, as well as getting homeowners refinanced at the lower rates they deserve.

Find a mortgage loan advisor near me

How we work

We focus on support, not sales. So whether you’re here for your first house or third refinance, we’re ready to help.

Fill Out Loan Application

Start by selecting your preferred loan officer and filling out information pertaining to employment history, sources of income, assets, debt, and additional information.

Application Review

After submission, it will be turned over to our loan processing department for approval. We’ll keep an open dialogue with you throughout this entire process and you should to expect to hear from us within three business days.

Closing Process

Upon approval, the closing agent will conduct the closing. The borrower will have to bring in a certified (or cashier’s check) for the cash needed. The closing agent will obtain the necessary signatures on the closing documents and disburse the money. Congratulations, you’re a homeowner!

SELECT A STATE TO GET STARTED

Proudly serving the states of…

California

Arizona

Texas

Nevada

Florida

Washington

Colorado

New Mexico

Pennsylvania

Louisiana

Indiana

Oregon

Montana

Idaho

Tennessee

Hawaii

South Carolina

Wyoming

Our Licensed Coverage Area

We Proudly Operate Across These Licensed States

Alvaro Gutierrez

1747330237

Very helpful and professional, I am happy with the results, Thank you George and Joana

Kirsty McLean

1747252327

Amazing experience with Jennifer Stewart at ML mortgage. She went out of her way to meet us personally and explain our options even before we looked at condos for our son. Throughout the day she continued to give us options and updated costs. She adapted quickly to our preferred way of communicating (What’s App) and emailed us with advice. She listened to our needs and was quickly on board with our plan. She’s incredibly responsive. I would recommend Jennifer to anyone looking for a loan.

Narine Sargsyan

1747185482

Highly recommend ML Mortgage. The whole team, especially Joanna, were very helpful, making the home buying easy and smooth.Thank you ML Mortgage

Lisa Rico

1746718539

Zain and Shayne go above and beyond to make things happen! I can’t thank them enough for their attentiveness to detail and my needs. By far one of the best lenders I have ever worked with. I have referred them to every friend and family member. Their customer service is superb!

Carmen Castro

1746683086

2025: I really wish I could add a new review instead of having to edit the old one. BUT! David and team were there when I first bought my home and they just helped me refinance it as well. My case was not easy by any means! I did the one thing you're not supposed to do and fell for the New Home Owner green thumb and started buying things for my home and got comfortable with debt. When the opportunity to refinance came, I realized the kind of mistake I had made and thought this would not be an option for me until my debt was paid off. David worked with me and moved mountains to ensure I was able to refinance and get a way better rate than what I had bought my house for. Will definitely continue working with David, and highly recommend anyone that can does too!! David made the impossible POSSIBLE and you should always look to have people like that in your corner! 100000% Recommend!!2024 Review: I really feel like I hit the jackpot with the team that helped me in purchasing my home. From my realtor Hector answering all my questions for an overall better understanding of the current market and what to expect, to David going more into detail about the process and breaking every step down for me, to Joanna making sure I was submitting all the correct documents. As a first time buyer, buying a house was a terrifying goal but I’m grateful I had patient and talented people to help me every step of the way!

Roxana Alvarez

1745882421

The customer service at ML Mortgage was great! We were nervous to start the process, but the ML team facilitated this journey for us. BIG thanks to Danny! Thank you for always making yourself available to answer all of our questions and addressing our concerns. Also, thank you to Joanna for supporting us while we were going through the escrow process. I highly recommend this team! They helped us accomplish our dream of becoming first time homebuyers! Thank you, ML Mortgage! I look forward to working with you all moving forward!

David Ramirez

1744318541

I cannot recommend Team 100 at ML Mortgage Corp highly enough for anyone looking to secure a home loan! From start to finish, Kamran, Joanna, and the team provided outstanding service, making what can often be a stressful process feel smooth and effortless. As a Retired Army Veteran they are truly serving those who served!

Hector Garcia

1743713307

ML Mortage has been like a family for all of my home mortgage needs, I been working with them for the past 8 years, thanks to Kamran and his team I was able to buy my first home, after that Kamran help me sale my home and purchase my second home, and he made everything so simple and easy that I could've ask for more. Now they just help me purchase my first investment property and so excited for the future thanks to ML Morgage. Joanna and Kamran I will always be thankful for your professionalism. Can't wait to do this again with this awesome team, from the bottom of my heart thank you a million.

Betrice Harrison

1742473060

I had a great experience Kamran, and his team were very knowledgeable and helpful, they made the loan process easy for me. I closed escrow on my home and couldn't be happier with their service.

Juan Carrasco

1740768228

Very helpful, patient and professional I would highly recommend ML Mortgage Corp. Thank you for everything.

Marisol Prieto

1736288121

I’ve had the pleasure of working with ML Mortgage, and I can confidently say they are one of the best in the business. Their team consistently delivers outstanding service, combining professionalism with a genuine commitment to their clients.

Pablo Nunez

1733881941

Thank you to the team for assisting me with my new home purchase. I had the pleasure of working with David and Joana whom were very attentive to my case. I look forward to working with them in the future!

Vaibhav Goel

1733780251

Excellent experience! The customer service team was incredibly helpful, and their communication was prompt and clear. Highly recommend for their responsiveness and professionalism!

Ofelia Sandoval

1732655205

It was true pleasure to work with David Juarez and his team. Great communication and great customer service! Will definitely recommend to family and friends!

Heidi Randolf

1731088678

I loved working with that team! They never gave up on a job verification. They really rock ! Thank you Johanna!

Natalie Wilson

1727729347

Jennifer was so helpful and responsive throughout the entire process! Absolutely recommend working with her and ML Mortgage when purchasing a home!

Kim Sellers

1726946086

Kameran and Tysen were excellent and got the job done for my client in less than two weeks! Well done!

Yesenia Grimaldo

1726691215

We are completely happy with our home buying experience. This team is amazing. Joanna, Tysen and Kamran went above and beyond and made our homeowner dreams a reality. They were very thorough and walked us through every step reassuring us that it would get done. staying true to their word we would definitely recommend going to them for your home buying journey.

Muhammad Ul Islam

1724730222

I had a great experience with Ml.Mortgage . My closing went very smooth. I found Mr.Nadeem to be very professional and helpful through the buying experience.

Poorva Garg

1724256524

I can never be grateful enough for ML mortgage taking care of me. They made the home buying process seamless and also fun. I highly recommend their entire team.

Lia Mejia

1722894299

It was a pleasure working with Zain! Very thorough and patient. As a first time buyer I had many questions and at all hours of the day. I never felt like I was a bother and I never had to chase anyone for assistance. They made a very stressful process much more manageable. I highly recommend using ML Mortgage to finance your home purchase!

Eduardo Iniguez

1722885559

I recently had the pleasure of working with Zain Siddiqui as my mortgage lender, and I cannot recommend him highly enough. From start to finish, Zain demonstrated exceptional professionalism, expertise, and dedication.Zain made the entire mortgage process smooth and stress-free. He took the time to explain every step in detail, ensuring I was comfortable and well-informed. His knowledge of the mortgage industry is impressive, and he was able to secure a fantastic rate for me.What truly sets Zain apart is his commitment to excellent customer service. He was always available to answer my questions, no matter how small, and responded promptly to emails and calls. His friendly and approachable demeanor made me feel at ease throughout the process.Thanks to Zain's hard work and expertise, I was able to close on my home without any issues. I am incredibly grateful for his support and guidance. If you're looking for a mortgage lender who will go above and beyond, look no further than Zain Siddiqui.Thank you, Zain, for making my home-buying experience a positive one. I will definitely be recommending you to friends and family!

Farshad Pourghasem

1716695141

Thank you, ML Mortgage Team! This is the fourth time I've chosen ML Mortgage for my home loan, and I couldn't be more grateful for all your help and support throughout the escrow process. Your service has been exceptional. Special thanks to Nadeem for making the loans happen and to Joanna for her professional work on the document preparation. I truly appreciate your prompt responses and availability to answer all our questions. I look forward to working with you again.Farshad 5/25/2024

Rosemary Montes

1714145910

My family and I have used ML Mortgage for around 10 years now. Every property we purchase we go through ML Mortgage. The level of efficiency and security the team has is very ensuring to a home buyer.

Gene F.

1712317237

ML Mortgage is first class. They are high energy, fast, efficient and competent. Zain had my loan funded in less than three weeks. They know how to make...

K L.

1704898450

Working with David and Joanna was a great experience. They made the approval process streamlined and easy. They both were available and able to answer all...

Justina T.

1684695462

What a big blessing ! Our loan was a tuff one ! Yet joanna and the team helped us push through it !! The end result we are home owners , the children have a...

Humberto G.

1676989921

The service could not have been better. excellent customer service...... Zain, Joanna and Danny did an excellent job communicating with me and keepping me...

Robert R.

1676908871

This company is 100% in business for you! After 6 months of getting absolutely no response from the Richmond Homes assigned lender they decided I didn't...

Vito T.

1674582148

I honestly have the best experience with George and Joanna.I don't know where to begin but I think I will start from the beginning.I tried to purchase a...

Disnardo A.

1672648797

Hello and Happy New Years to All...I am great-full to have used Naveed with ML Mortgage because it was referred to me by a good friend.Naveed and the...

Anita W.

1670187988

Hands down the best Lender in the IE. I have had the pleasure to have known Kamran for quite some time now. He has always been clear, honest and...

J W.

1668941285

I've been working with ML mortgage since 2013, they have taken care of all my lending and refinance needs. They are easy to work with and provide excellent...

Mark C.

1668133533

As a realtor, I have dealt with several mortgage companies, but ML Mortgage was by far the best. Their commitment to service. Dedication to follow-up and...

Dennis N.

1666296220

My experience working with ML Mortgage was great and I would definitely use them again in the future. If you have ever refinanced before, you know the...

Mundeep S.

1658060241

To the team at ML Mortage, if you spoke to me just a month and a half prior my attitude would have been different. I would have said things like thier is no...

Edward R.

1655044138

EVERY first time home buyer needs to have a team that is with you every step up of way, helping overcome each guaranteed bump in the road to homeownership....

Goran I.

1654683259

Where do I even begin? The entire team behind this wonderful business is absolutely incredible! After going to multiple places to talk about my home...

Milen I.

1654540474

There are many good things I can say about "ML Mortgage" The team of Zain, Naveed, Kiara, and Mel did a great job meeting my needs for buying a house. I...

Kevin A.

1652883984

Naveed was extremely knowledgeable and very helpful during the whole Refi process. Naveed was so Patient, professional and always available to answer my...

Hitesh B.

1652285579

After speaking with multiple lenders ML was the best that actually tried and saved me done $$$. The other bigger brands attempted to tack on fees,...

Aaron M.

1651305610

Responsive, fast, thorough, listened, gave options and followed through every step of the way! Thank you!

Nida F.

1647273283

I had a great experience using ML Mortgage for my first condo and then a single family home. Zain was a savior when he took over getting my loan approved...

Mehrdad B.

1641558476

Been in the Real Estate business for about 28+ Years and when I had a Client who obtained his Loan from Kamran & his team, I was pleased with their...

Qaisar A.

1638373835

Hands down the best refinance I've been through with ML MORTGAGE. JAMAL was my first point of contact. He was always responsive, clear, and transparent....

Gill N.

1628247560

Mortgage lender you can count on!This is our first time buying a house. Zain, Naveed, Alondra, Kiara, and their team worked tirelessly for us. They are...

Connie G.

1622626987

My husband & I were referred to ML Mortgage, from our close friend who is also a broker. She spoke very highly of ML Mortgage. I knew we would be in good...

Our Team

The people behind all the magic who are on a mission to help you achieve your goals.

Founder and owner Kamran Akbar knew from the moment he helped his first client become home owners that this was a real passion of his. He brings 19 years of lending expertise on all mortgage industry products. He strives everyday to make the American dream a reality for all of his clients.

Kamran Akbar

Chief Executive Officer

Tony Santini brings more than 25 years of sales experience in the Mortgage industry. He thrives on working with top sales people and helping them get the job done.

Tony Santini

Vice President of Production

Tianna brings over 20 years of experience in the mortgage industry. She provides the operation structure so that our highly motivated and knowledgable loan originators can provide exceptional service to their clients.

Tianna Silva

SVP of Operations

Having over 20 years of experience in the mortgage industry, Don is responsible for overseeing all of the functions of the Secondary Marketing Department as well as the Post Closing Department.

Don Graham

Vice President of Capital Markets

Oliver brings his 12 years of Mortgage Compliance experience, a can-do attitude, and willingness to implement innovative solutions to bear in his role at ML Mortgage Corp.

Oliver Jackson

Vice President of Compliance

As the VP of Closing at ML Mortgage, Wendy brings over 30 years of experience in the mortgage industry.

Wendy Wright

Vice President of Closing

Angelica King has built a successful 35-year career in the mortgage industry and is a great asset as the VP of Credit Risk at ML Mortgage.

Angelica King

Vice President of Credit Risk

What our clients say

We strive to be the best at what we do. Our testimonials speak for themselves!

ML Mortgage Ratings

4.6

Based on 125 reviews

Google Rating

4.6

Based on 65 reviews

Yelp Rating

4.6

Based on 60 reviews

Alvaro Gutierrez

1747330237

Very helpful and professional, I am happy with the results, Thank you George and Joana

Kirsty McLean

1747252327

Narine Sargsyan

1747185482

Highly recommend ML Mortgage. The whole team, especially Joanna, were very helpful, making the home buying easy and smooth.Thank you ML Mortgage

1746718539

1746683086

1745882421

1744318541

1743713307

1742473060

I had a great experience Kamran, and his team were very knowledgeable and helpful, they made the loan process easy for me. I closed escrow on my home and couldn't be happier with their service.

Juan Carrasco

1740768228

Very helpful, patient and professional I would highly recommend ML Mortgage Corp. Thank you for everything.

Marisol Prieto

1736288121

Pablo Nunez

1733881941

Vaibhav Goel

1733780251

Excellent experience! The customer service team was incredibly helpful, and their communication was prompt and clear. Highly recommend for their responsiveness and professionalism!

Ofelia Sandoval

1732655205

It was true pleasure to work with David Juarez and his team. Great communication and great customer service! Will definitely recommend to family and friends!

Heidi Randolf

1731088678

I loved working with that team! They never gave up on a job verification. They really rock ! Thank you Johanna!

Natalie Wilson

1727729347

Jennifer was so helpful and responsive throughout the entire process! Absolutely recommend working with her and ML Mortgage when purchasing a home!

Kim Sellers

1726946086

Kameran and Tysen were excellent and got the job done for my client in less than two weeks! Well done!

Yesenia Grimaldo

1726691215

Muhammad Ul Islam

1724730222

I had a great experience with Ml.Mortgage . My closing went very smooth. I found Mr.Nadeem to be very professional and helpful through the buying experience.

Poorva Garg

1724256524

I can never be grateful enough for ML mortgage taking care of me. They made the home buying process seamless and also fun. I highly recommend their entire team.

1722894299

1722885559

1716695141

1714145910

1712317237

ML Mortgage is first class. They are high energy, fast, efficient and competent. Zain had my loan funded in less than three weeks. They know how to make...

K L.

1704898450

Working with David and Joanna was a great experience. They made the approval process streamlined and easy. They both were available and able to answer all...

Justina T.

1684695462

What a big blessing ! Our loan was a tuff one ! Yet joanna and the team helped us push through it !! The end result we are home owners , the children have a...

Humberto G.

1676989921

The service could not have been better. excellent customer service...... Zain, Joanna and Danny did an excellent job communicating with me and keepping me...

Robert R.

1676908871

This company is 100% in business for you! After 6 months of getting absolutely no response from the Richmond Homes assigned lender they decided I didn't...

Vito T.

1674582148

I honestly have the best experience with George and Joanna.I don't know where to begin but I think I will start from the beginning.I tried to purchase a...

Disnardo A.

1672648797

Hello and Happy New Years to All...I am great-full to have used Naveed with ML Mortgage because it was referred to me by a good friend.Naveed and the...

Anita W.

1670187988

Hands down the best Lender in the IE. I have had the pleasure to have known Kamran for quite some time now. He has always been clear, honest and...

J W.

1668941285

I've been working with ML mortgage since 2013, they have taken care of all my lending and refinance needs. They are easy to work with and provide excellent...

Mark C.

1668133533

As a realtor, I have dealt with several mortgage companies, but ML Mortgage was by far the best. Their commitment to service. Dedication to follow-up and...

Dennis N.

1666296220

My experience working with ML Mortgage was great and I would definitely use them again in the future. If you have ever refinanced before, you know the...

Mundeep S.

1658060241

To the team at ML Mortage, if you spoke to me just a month and a half prior my attitude would have been different. I would have said things like thier is no...

Edward R.

1655044138

EVERY first time home buyer needs to have a team that is with you every step up of way, helping overcome each guaranteed bump in the road to homeownership....

Goran I.

1654683259

Where do I even begin? The entire team behind this wonderful business is absolutely incredible! After going to multiple places to talk about my home...

Milen I.

1654540474

There are many good things I can say about "ML Mortgage" The team of Zain, Naveed, Kiara, and Mel did a great job meeting my needs for buying a house. I...

Kevin A.

1652883984

Naveed was extremely knowledgeable and very helpful during the whole Refi process. Naveed was so Patient, professional and always available to answer my...

Hitesh B.

1652285579

After speaking with multiple lenders ML was the best that actually tried and saved me done $$$. The other bigger brands attempted to tack on fees,...

Aaron M.

1651305610

Responsive, fast, thorough, listened, gave options and followed through every step of the way! Thank you!

Nida F.

1647273283

I had a great experience using ML Mortgage for my first condo and then a single family home. Zain was a savior when he took over getting my loan approved...

Mehrdad B.

1641558476

Been in the Real Estate business for about 28+ Years and when I had a Client who obtained his Loan from Kamran & his team, I was pleased with their...

Qaisar A.

1638373835

Hands down the best refinance I've been through with ML MORTGAGE. JAMAL was my first point of contact. He was always responsive, clear, and transparent....

Gill N.

1628247560

Mortgage lender you can count on!This is our first time buying a house. Zain, Naveed, Alondra, Kiara, and their team worked tirelessly for us. They are...

Connie G.

1622626987

My husband & I were referred to ML Mortgage, from our close friend who is also a broker. She spoke very highly of ML Mortgage. I knew we would be in good...

Next Reviews

Alvaro Gutierrez

1747330237

Very helpful and professional, I am happy with the results, Thank you George and Joana

Kirsty McLean

1747252327

Narine Sargsyan

1747185482

Highly recommend ML Mortgage. The whole team, especially Joanna, were very helpful, making the home buying easy and smooth.Thank you ML Mortgage

1746718539

1746683086

1745882421

1744318541

1743713307

1742473060

I had a great experience Kamran, and his team were very knowledgeable and helpful, they made the loan process easy for me. I closed escrow on my home and couldn't be happier with their service.

Juan Carrasco

1740768228

Very helpful, patient and professional I would highly recommend ML Mortgage Corp. Thank you for everything.

Marisol Prieto

1736288121

Pablo Nunez

1733881941

Vaibhav Goel

1733780251

Excellent experience! The customer service team was incredibly helpful, and their communication was prompt and clear. Highly recommend for their responsiveness and professionalism!

Ofelia Sandoval

1732655205

It was true pleasure to work with David Juarez and his team. Great communication and great customer service! Will definitely recommend to family and friends!

Heidi Randolf

1731088678

I loved working with that team! They never gave up on a job verification. They really rock ! Thank you Johanna!

Natalie Wilson

1727729347

Jennifer was so helpful and responsive throughout the entire process! Absolutely recommend working with her and ML Mortgage when purchasing a home!

Kim Sellers

1726946086

Kameran and Tysen were excellent and got the job done for my client in less than two weeks! Well done!

Yesenia Grimaldo

1726691215

Muhammad Ul Islam

1724730222

I had a great experience with Ml.Mortgage . My closing went very smooth. I found Mr.Nadeem to be very professional and helpful through the buying experience.

Poorva Garg

1724256524

I can never be grateful enough for ML mortgage taking care of me. They made the home buying process seamless and also fun. I highly recommend their entire team.

1722894299

1722885559

1716695141

1714145910

1712317237

ML Mortgage is first class. They are high energy, fast, efficient and competent. Zain had my loan funded in less than three weeks. They know how to make...

K L.

1704898450

Working with David and Joanna was a great experience. They made the approval process streamlined and easy. They both were available and able to answer all...

Justina T.

1684695462

What a big blessing ! Our loan was a tuff one ! Yet joanna and the team helped us push through it !! The end result we are home owners , the children have a...

Humberto G.

1676989921

The service could not have been better. excellent customer service...... Zain, Joanna and Danny did an excellent job communicating with me and keepping me...

Robert R.

1676908871

This company is 100% in business for you! After 6 months of getting absolutely no response from the Richmond Homes assigned lender they decided I didn't...

Vito T.

1674582148

I honestly have the best experience with George and Joanna.I don't know where to begin but I think I will start from the beginning.I tried to purchase a...

Disnardo A.

1672648797

Hello and Happy New Years to All...I am great-full to have used Naveed with ML Mortgage because it was referred to me by a good friend.Naveed and the...

Anita W.

1670187988

Hands down the best Lender in the IE. I have had the pleasure to have known Kamran for quite some time now. He has always been clear, honest and...

J W.

1668941285

I've been working with ML mortgage since 2013, they have taken care of all my lending and refinance needs. They are easy to work with and provide excellent...

Mark C.

1668133533

As a realtor, I have dealt with several mortgage companies, but ML Mortgage was by far the best. Their commitment to service. Dedication to follow-up and...

Dennis N.

1666296220

My experience working with ML Mortgage was great and I would definitely use them again in the future. If you have ever refinanced before, you know the...

Mundeep S.

1658060241

To the team at ML Mortage, if you spoke to me just a month and a half prior my attitude would have been different. I would have said things like thier is no...

Edward R.

1655044138

EVERY first time home buyer needs to have a team that is with you every step up of way, helping overcome each guaranteed bump in the road to homeownership....

Goran I.

1654683259

Where do I even begin? The entire team behind this wonderful business is absolutely incredible! After going to multiple places to talk about my home...

Milen I.

1654540474

There are many good things I can say about "ML Mortgage" The team of Zain, Naveed, Kiara, and Mel did a great job meeting my needs for buying a house. I...

Kevin A.

1652883984

Naveed was extremely knowledgeable and very helpful during the whole Refi process. Naveed was so Patient, professional and always available to answer my...

Hitesh B.

1652285579

After speaking with multiple lenders ML was the best that actually tried and saved me done $$$. The other bigger brands attempted to tack on fees,...

Aaron M.

1651305610

Responsive, fast, thorough, listened, gave options and followed through every step of the way! Thank you!

Nida F.

1647273283

I had a great experience using ML Mortgage for my first condo and then a single family home. Zain was a savior when he took over getting my loan approved...

Mehrdad B.

1641558476

Been in the Real Estate business for about 28+ Years and when I had a Client who obtained his Loan from Kamran & his team, I was pleased with their...

Qaisar A.

1638373835

Hands down the best refinance I've been through with ML MORTGAGE. JAMAL was my first point of contact. He was always responsive, clear, and transparent....

Gill N.

1628247560

Mortgage lender you can count on!This is our first time buying a house. Zain, Naveed, Alondra, Kiara, and their team worked tirelessly for us. They are...

Connie G.

1622626987

My husband & I were referred to ML Mortgage, from our close friend who is also a broker. She spoke very highly of ML Mortgage. I knew we would be in good...

I purchased a home last year with Zain and Kamran, and I can’t begin to tell you what an awesome experience it was. Zain made himself extremely accessible and never once made me feel like I was left hanging. Kamran gave me some great advice regarding what type of loan I should pursue. Super professional, fun to work with and most importantly good ol’ fashion hard working people. Thanks ML for everything!

Karan P.

FAQ's

How do we know what is the best type of financing for our particular family's situation?

The best way for you to determine which program would best suit your family’s needs is to sit down with a representative and they will explain all of your financing options. Things to consider are: family size, how long you plan to stay in the home, current and projected income and debts, credit history and cash available to close. We are uniquely positioned to have almost all financing options available to us that anyone could want and/or require.

Can the seller pay for my down payment?

No. However, the down payment can be a gift from a relative or non-profit organization, or be borrowed if the loan is secured. The seller can pay for the borrower’s closing costs, if negotiated.

What if I have no money at all?

There are programs that offer a no-down-payment option and, in conjunction with seller contributions, can make it so that you will not need to spend any out-of-pocket money to buy a home. Additionally, we can show you other ways to purchase with no cash up front.

How do we get prequalified for our first home?

By answering the questions in the online application section or phone consultation with a representative. Both can give you a ballpark idea of what price range you can afford. The next step is to get preapproved so that the money you need is already committed to you; this gives you the strength of a cash buyer when you make an offer.

Can closing costs be rolled into my loan if I refinance?

All of your costs can be included in your loan amount on a refinance program. A notable exception to this is if you are doing a streamline refinance, or if your equity is not large enough to accommodate these costs. Sometimes it is preferable to do a no-cost refinance. It is our job to help you through this decision process.

How can I use equity in an existing home toward the purchase of a new home?

There are several ways to use your equity to buy a new home. The most common ways to obtain your equity are bridge loans, second mortgages, home equity lines of credit, or trade equity. Each option has a different impact on your qualifications, and costs for each option vary.

How do I go about listing my home?

Listing your home is easy. The hard part of listing comes with choosing the right agent to market your home and keep YOUR best interests in mind. We work with most of the top agents in our market area and would be glad to recommend a qualified agent.

Should I lock in?

This is the hardest part of any transaction–knowing when rates are at their best. If current rates suit your needs, locking in your loan will protect you from any rise in rates, and would be recommended. Unfortunately, nobody can tell you what rates are going to do. The best we can do is help you identify at what rate it might make sense for you to lock-in, and what economic reports are coming out that may impact the market.