Buying a home is the largest purchase most people ever make, and the loan behind it matters as much as the house. As a mortgage broker, we are not tied to one bank's menu. We compare loan options from multiple wholesale lenders and walk you through what each one means for your payment, your cash to close and your long term plans.
Who it fits
A pre approval that holds up
Buyers who want a pre approval that sellers and agents take seriously
Start a pre approvalComparing loan types
Anyone comparing FHA, VA, USDA and conventional options side by side
See every programA tight settlement date
Buyers on a tight settlement timeline who need a team that answers the phone
Read the 22 day storyMoving between states
People moving between Pennsylvania, New Jersey, Delaware, Maryland and Florida
Where we lendHow it works
It starts with a conversation and a secure online application. We review income, assets and credit, then issue a pre approval letter you can put in front of a seller with confidence.
Once you are under contract we lock in the loan structure that fits, order the appraisal, and keep you, your agent and the title company updated at every milestone. Our system sends status updates automatically so you are never guessing where things stand.
Key facts
- Typical timeline
- About 30 days from contract to closing for most loans
- Down payment
- From 0% on VA and USDA, 3% on conventional, 3.5% on FHA for qualified borrowers
- What we need first
- Recent pay stubs, two years of W2s or tax returns, two months of bank statements and a photo ID
- Where we lend
- PA, NJ, DE, MD and FL
Common questions
How long is a pre approval good for?
Most pre approvals are good for 60 to 90 days. If yours expires while you are still shopping, we refresh your documents and reissue it, usually the same day.
What is the difference between a mortgage broker and a bank?
A bank offers its own loans. A broker shops your scenario across multiple wholesale lenders to find a fit, then manages the process for you. You work with one local team either way.
How much do I need for a down payment?
It depends on the program. VA and USDA loans allow no down payment for eligible borrowers, conventional loans start at 3% and FHA loans start at 3.5%. State programs can help cover part of it.
