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. That federal registration is what lets us lend in all 50 states, 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
FHA Loan Requirements
Understanding Your Credit Scores
Reverse Mortgage
Answer a few quick questions, No Hassle, No Obligation
