Free Consultation
Let's find a time
to talk.
No pressure. No sales pitch. Just a real conversation with a local mortgage expert who'll give you straight answers and a clear path forward.
Mortgage options
Get pre-qualified
Compare loan estimates
VA & FHA loans
Investment properties
Just want to chat
π€
Jerry Holland
Founder & CEO Β· NMLS #1608954
Responds within the hour
Pick Your Format
How much time do you need?
Choose the meeting type that fits your situation β both are free.
β‘ 15 Minutes
Quick Question
Got a specific question or want to know if you qualify? This is the fastest way to get a real answer from a real person.
Quick eligibility check
Rate & payment estimate
Next steps overview
π― 30 Minutes
Full Consultation
Ready to dig in? We'll review your full situation, compare loan options side-by-side, and build a clear game plan together.
Full financial picture review
Loan program comparison
Custom roadmap to closing
What Clients Say
Real people. Real results.
What's the difference between pre-qualified and pre-approved? βΎ
Pre-qualification is a quick estimate based on the info you provide. Pre-approval is more official β we verify your income, credit, and documents so you're ready to make a strong offer the moment you find the right home.
How much do I need for a down payment? βΎ
It depends on the loan type. Some loans require as little as 0% (VA & USDA), 3% (Conventional first-time buyers), or 3.5% (FHA). We'll help you find the best fit for your situation.
What credit score do I need to buy a home? βΎ
Most programs start around 580β620. Some go as low as 500. The higher your score, the better your rate. We'll review your full credit picture and help you improve it if needed before you apply.
I'm self-employed. Can I still get a mortgage? βΎ
Absolutely. We offer loans that use bank statements, assets, or CPA-prepared profit and loss statements instead of traditional tax returns. Self-employed buyers are our specialty.
Can I qualify with rental income? βΎ
Yes! We can count projected rent or existing leases to help boost your qualifying income β especially helpful for investors or multi-unit property buyers.
What happens at the consultation β is there any obligation? βΎ
Zero obligation. We just talk. You share your situation, we give you honest advice and real numbers. If it makes sense to work together, great. If not, you still leave with more clarity than you came in with.