Book a Free Mortgage Consultation with Dan Frio

Pick a time that works for you. In 30 minutes we'll go over your goals, show you what you qualify for, and map out clear next steps. No cost, no obligation.

One application. One credit pull. We compare 30+ lenders.
Mon–Thu: 10:30 AM – 4:30 PM CT
Wednesday evenings: 6:00 – 8:00 PM CT
Prefer to call?(844) 775-5626

Times show in your local time zone. You'll get a confirmation email and calendar invite right away, plus reminders before the call.

What happens on the call

1. Your goals

Buying, refinancing, investing, or tapping equity. We start with what you're trying to do and your timeline.

2. Your options

One application and one credit pull let us compare programs from 30+ lenders instead of just one.

3. Clear next steps

You leave knowing your realistic options, what paperwork is needed, and what happens next.

Exploring a reverse mortgage?

Book a dedicated reverse mortgage consultation. Family members are welcome to join.

Book a reverse mortgage call

Helpful to have handy

  • A rough idea of your price range or current loan balance
  • Your most recent Loan Estimate if you already have one from another lender
  • For investors: the property address and expected rent

Common questions

Does booking a call affect my credit?

No. Booking and talking through your options does not pull credit. If you decide to move forward, we use one credit pull to compare 30+ lenders.

Is there a cost or commitment?

No. The consultation is free and there is no obligation to apply.

What if none of these times work?

Call or text (844) 775-5626 and we'll find a time.

Can I do everything online instead?

Yes. If you'd rather go at your own pace, the DIY Mortgage path lets you check rates and apply on your own, with our team reviewing your file.

Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781
524 Main St, Hazard, KY 41701
Mortgage products are originated by PBT Bancorp, NMLS #257781. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility.