We have dozens of lenders at our disposal, and no one lender is right for everyone. That is the main advantage of using independent brokers such as ourselves (see the ‘why choose us’ section under “about us” to learn more). Below are a couple of our favorite lenders for different situations, but rest assured that we evaluate each client’s situation carefully and choose the best option for THEM.
Conventional loans
For conventional purchase and refinance loans, we use Provident Funding whenever the client’s situation permits. They are a strong A-paper lender that only deals with independent brokers like us, and they simply have the best rates available. In fact, we have never been beat when quoting a rate from provident. They are a bit picky (ie. only well qualified borrowers) but they are worth the headache. If provident doesn’t fit your needs, there are many other lenders whose rates are still miles better than any bank can offer you at our disposal.
FHA loans
We use many many lenders for FHA loans, as they are a “hot ticket item” right now, accounting for more than half of all new loan originations currently. Among our favorites is Stearns lending’s wholesale division. This side of Stearns lending is made specifically for brokers, and offers better rates than retail offices. Their customer service is among the best in the industry, and they are usually very fast in getting our clients processed.
Other types of Loans
We offer many financing options. Above are just 2 of the most popular loans that we originate, but we are also equally proficient in USDA Rural loans, Reverse mortgage/HECM loans, FNMA Homepath financing and many other types of financing.