How it works

Five steps fromfirst call to keys.

Most purchases close in 21 to 30 days from contract. Every step has one owner, one phone number and no surprises.

15 minutes
A real conversation
Call, text or book a time. Justin asks about the home you want, your timeline and your finances, and tells you straight what is possible. No scripts, no hand-off to a call center.
24 to 48 hours
Pre-approval that means something
Credit pulled, income and assets reviewed, and a pre-approval letter you can write an offer on. If something needs fixing first, you will hear that too, along with a plan to fix it.
Same day as your offer
The loan is shopped, not sold
Your file goes to the wholesale lender with the best combination of rate, fees and guidelines for your situation. Justin locks the rate and walks you through the loan estimate line by line.
2 to 3 weeks
Processing without surprises
Appraisal, underwriting and conditions, with a status update every step and one phone number for questions. Your agent and the listing side hear from Justin before they have to ask.
Closing day
Clear to close, then keys
Final numbers reviewed with you before you sign. Most purchases close in 21 to 30 days from contract. After closing, Justin stays your mortgage person for as long as you own the home.

What you will need

The document list, up front.

Send these once and Justin will tell you within a day where you stand.

Two years of W-2s or tax returns
30 days of pay stubs
Two months of bank statements
Government photo ID
For self-employed and investors: 12 to 24 months of bank statements or a rent roll instead of tax returns

At a glance

Next step

Fifteen minutes with Justin will tell you what you can afford, what it will cost, and whether now is the right time. No obligation, no pressure.

Monday to Friday, 8am to 6pm. Evenings and weekends by text.