Great question! As a mortgage broker, I work with over 200 lenders, offering a wide variety of loan programs to meet every borrower’s unique needs. Here’s just a glimpse of what I can offer:

FHA Loans

Conventional Loans

VA Loans
HomeReady

Home Possible

Good Neighbor Next Door

USDA Loans

Jumbo Loans

DSCR Loans (Debt Service Coverage Ratio)

Bank Statement Loans

No-Doc Loans

ITIN Loans

Down Payment Assistance Programs

2-1 and 3-2-1 Buydown Programs

Adjustable-Rate Mortgages (ARMs)

Fixed-Rate Mortgages

Interest-Only Loans

Doctor and Professional Loans

Construction Loans

Renovation Loans (including FHA 203(k))

Reverse Mortgages

HELOCs (Home Equity Line of Credit)

Bridge Loans

Energy-Efficient Mortgages (EEM)

Manufactured Home Loans

Non-QM Loans (Non-Qualified Mortgages)

First-Time Homebuyer Programs

And so much more!

No matter your situation or goals, I’ve got the perfect program for you.

Fill out my quick 60-second survey, and we’ll find the best program tailored to your needs.

Always start with me, Justin, That Mortgage Guy. Why? You need to know exactly what loan program you qualify for and the payment you’re comfortable with before house hunting.

Realtors won’t take you shopping without a pre-approval letter—they want to know you’re serious and financially ready. And here’s the thing: even if you go to a realtor first, they’ll send you right back to a mortgage advisor like me.

Save yourself the extra step and start with me so we can figure out your budget, lock in the best program, and get you ready to shop stress-free.

Absolutely! If you don’t already have an agent, I can recommend a couple of experienced agents in your area. These referrals are to help you find someone who matches your personality, communication style, and specific needs.

It’s important that you feel comfortable and confident with your realtor, so you’ll have the chance to see if they’re the right fit for you. Think of me as your real estate matchmaker—I’ll connect you with someone who has your back, just like I do.

Yes, I’m paying the full $1,095 out of my own personal pocket—no gimmicks. This rebate directly covers $595 in processing fees and $500 in admin fees, which every other loan officer or lender will charge you as part of your closing costs.

But not me...

Think of it as my way of making your homeownership journey a little easier and more affordable. By covering these fees, I’m helping to reduce the upfront costs of buying or refinancing your home so you can focus on what really matters—getting into your dream home or saving money on your current home.

Good news! As a first-time homebuyer—or even if you haven’t purchased a home in the last three years—you might qualify for $0 down payment programs.

From USDA loans to specialized grants, there’s likely a path forward for you. Let’s explore the possibilities together and get you into your new home without breaking the bank.

You bet I do! As a broker, I partner with 200+ lenders, giving me access to programs for almost any situation. Plus, I make them compete for your business, which means better rates and terms for you.

It’s like having a whole team of lenders working to win you over, all while I guide you through the process.

Hey, it happens. But don’t worry—I’m not here to toss you into the woods and leave you to figure things out alone. If a denial happens, I’ll create a personalized roadmap with clear steps and a timeline to help you qualify in the future.

Whether it takes six months or five years, I’m here to guide you every step of the way. We’re in this together.

Of course! I specialize in programs designed for self-employed borrowers. From bank statement loans to no-doc options, there’s likely a solution that works for you. Let’s make your entrepreneurial success work in your favor.

Absolutely! Because I work with so many lenders, I’ll present you with the best options tailored to your goals. I don’t just find you a rate—I find you the right rate, ensuring it fits your financial needs and long-term plans.

Great question! This offer applies to both home purchases and refinances. Whether you’re buying your dream home or saving money through a refinance, I’ll personally cover $1,095 in processing and admin fees to reduce your closing costs.

And if you know someone who could benefit from this savings—whether they’re buying or refinancing—send them my way. I’d love to help them too!

No matter your situation, I’m here to make the process easier and more affordable for everyone.

Fill out my quick, 60-second quiz to get started, or reach out however you prefer. Call, text, or chat—I’m here to make the process as smooth and fun as possible. It’s all about your style of communication, and I’m here for it!