Most people take the first mortgage offer they get. You shouldn't have to. Complete one secure application, and I shop your file across more than 30 lenders so you can see where your loan actually prices.
I'm Dan Frio, NMLS #246527. I've spent 38 years in mortgage lending and I'm a federally registered mortgage loan officer with PBT Bancorp, NMLS #257781 - an FDIC-insured Federal Reserve member bank, chartered in 1923. Mortgage assistance is available in the states and jurisdictions served by the bank, and the bank's secondary market program is what lets us price your file across 30+ lenders instead of handing you one rate sheet.
One credit pull, not five. Shopping lenders normally means repeated inquiries. Here it's a single pull.
Real comparison, same day. Same file, same day, priced by 30+ lenders. You see the range, not one number.
1 to 8 unit investor financing. Lease income qualifies. Most lenders stop at 4 units and send anything larger to commercial underwriting. We don't.
Straight answers. If a different product or lender serves you better, I'll tell you before you sign anything.
Conventional, FHA, VA, USDA and jumbo. Refinance and cash-out. Reverse mortgages for homeowners 62 and older. DSCR and investor loans from a single rental up to 8 units. Non-QM and bank statement loans for self-employed borrowers.
Every weekday I break down what moved mortgage rates and what it means if you're buying, refinancing or waiting. No hype and no predictions dressed up as facts. More than 40,000 people follow along on YouTube.
First Time Home Buyer Guide
Disabled VA
VA Refinance
RATE WATCH
Tell me the rate or the monthly savings that would make a refinance worth it to you. I watch the market every day anyway — when your number shows up, you get a message. Not a newsletter, not a drip campaign. One alert, when it actually matters.
Free to join, and you can stop the alerts at any time. Rate movement is not guaranteed and your target may not be reached.
“Dan and his team have been nothing short of exceptional while helping us as first time homebuyers. Their online free information has been helpful in our learning, and they are always happy to answer questions. The process has been efficient and he has worked well with our realtor team despite being states away. I would highly recommend Dan and his team.”
— Christopher D., Texas
“If you're looking for someone who treats you as a priority, Dan is your man. He is available almost any time of the day, no question is too small, no request is too big. Dan sends videos introducing himself while explaining the steps so anyone can understand. Bring your VA loans!”
— Rell W.
“I contacted Dan's team to assist initially for my pre approval. They were able to assist with my family's needs every step of the way. I then reached out for assistance with a LE comparison and was shocked when I actually received a response from Dan himself!”
— Marvin W., Austin TX
“Dan is a mortgage expert with a wealth of information whom you can benefit learning from. Everything is streamlined from start to finish and believe me you won't go wrong with this team.”
— Light, Florida
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