When your work with our team, you receive honest advice and family-level support. We listen, make the process simple and stress-free, and match you with smart options that fit your needs best.
From Conventional, FHA, VA, USDA, and Jumbo to Non-QM, Bridge, and Home Equity Loans—we tailor the right fit with honest communication and clear hurdles quickly and professionally.
Family-Level Support
Honest Advice
Wide Range of Loan Products
Services
Purchase Loans
Mortgage solutions for buying a home with options like Conventional, FHA, VA, USDA, and Non-QM loans.
Conventional LoansFHA LoansNon QMVA Home Loans
Refinance Loans
Refinance your existing mortgage to lower rates or change terms with options like Adjustable Rate, Fixed Rate, Graduated Payment, Interest Only, and more.
Adjustable Rate MortgagesFixed Rate MortgagesGraduated Payment MortgagesInterest Only Mortgages
Credentials & Certifications
Kevin Wolford
Jeff Kocher
Rob Bauman
Reviews
Rating
4.8
★★★★★
Reviews
56
"Rob was very helpful, responsive and prompt throughout the process."
Frequently Asked Questions
When should I refinance? +
It’s generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. Even a 1% reduction can lower monthly payments. Savings depend on income, budget, loan amount, and rate changes. A trusted lender can help calculate options.
What are points? +
A point is 1% of the loan amount used to lower the interest rate by paying some interest upfront. Lenders may refer to costs in basis points (100 basis points = 1 point).
What is an APR? +
The annual percentage rate (APR) reflects the true cost of a mortgage as a yearly rate, including points and other credit costs. It allows comparison of different loan types based on annual cost.
Should I pay points to lower my interest rate? +
Yes, if you plan to stay in the property for a few years. Paying discount points lowers the loan’s interest rate, reducing monthly payments, but costs must be recouped over time.
What does it mean to lock the interest rate? +
Locking an interest rate guarantees the rate for a specified period (30-60 days) during the application process, protecting against rate volatility.
I've had credit problems in the past. Does this impact my chances of getting a home loan? +
Even with poor credit, getting a home loan is possible. Lenders may charge higher rates and require larger down payments (20%-50%). The worse the credit history, the higher the cost.
4.8
