Questions
Straight answers, before you ask.
These are the questions we get on nearly every first call. If yours is not here, call and ask — it is still free.
Still wondering?
Ask us directly. A short call is usually faster than reading anything we could write here.
It means we shop your file instead of selling you one lender's product. You tell us what you are trying to do, we match it against the lenders we work with, and you get options that fit the property and the plan. One conversation, several real answers.
It depends on the loan and the property, and it moves with the market. What we can tell you is that programs differ a lot — a primary home, an investment property and a commercial building each price differently. Send us the basics and we will tell you the range for your situation specifically.
A straightforward residential file can move in a few weeks. Commercial and portfolio deals take longer because there is more to review. Either way you hear from us the same day you reach out, and you always know what stage your file is at.
Yes, that is what our portfolio work is for. When you are carrying a handful of properties, the goal stops being one good rate and starts being a structure that works across all of them. We look at the whole picture, not one door at a time.
Worth asking. A no from one lender is usually a no for that lender's box, not a no for you. Different lenders count income, reserves and property type differently, so a file that stalls in one place often moves in another.
Nothing. Tell us what you are trying to do and we will tell you honestly whether we can help, and what it would take. If it is not a fit, we will say so.