Most people start with a bank because it’s familiar. The trade-off is you only see that bank’s products at that bank’s rates. We have access to 160+ lenders, which means we shop the market for competitive rates and the right loan program for your situation—not just what’s on one shelf. We also provide something no bank or lender can: Home Price Protection at no cost to you for your first 12 months. If local home values decline after you close, you may receive a cash payout. It’s a benefit of working with our team, and no one else offers it.

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How to Choose the Right Mortgage Lender or Broker

A common concern buyers have is what happens if home values drop after closing. That’s exactly why the REZILOANS Team includes Home Price Protection at no cost to you. It’s a contract tied to your local home price index. If values in your area decline past a set threshold during the contract term, you receive a cash payout. No claims to file. No appraisals. No other mortgage provider offers this.

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What Is Home Price Protection?
Home Price Protection vs. PMI vs. Homeowner’s Insurance: What Each Actually Covers

Most purchase loans close in 30 to 45 days from application—and when time is tight, we can often move faster. Refinances may close sooner depending on the scenario. Your timeline depends on property type, how quickly you get documents in, and lender volume. Your loan officer gives you a realistic estimate upfront and keeps you updated every step. No surprises.

Yes—and you should. A preapproval shows sellers you’re serious, tells you exactly what you can afford, and gives you an edge when competing for a home. The process is straightforward: credit pull, income verification, asset documentation. Most preapprovals last 60 to 90 days, and your loan officer can refresh it if anything changes. In competitive markets, preapproval wins offers.

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What Happens After You’re Pre-Approved?

An ADU (Accessory Dwelling Unit) is a secondary living space on your property—converted garage, backyard cottage, or basement apartment. You can finance the build through your home’s equity, a renovation loan, or by rolling construction costs into a purchase or refinance. Arizona, California, and Oregon have all expanded ADU-friendly zoning, making this increasingly popular for rental income or multigenerational living. Charles is an ADU financing specialist and handles everything from zoning to loan structure.

In many cases, yes—especially in California, where ADU laws are among the most permissive in the country. An ADU can generate rental income, increase your property value, or house family members. Charles evaluates the full financial picture: construction costs, projected rental income, and the best way to finance the build. He’ll tell you upfront whether the numbers work.

Charles starts by listening to what you’re trying to accomplish—not just what loan you think you need. With 20+ years across conventional, FHA, VA, and ADU financing, he regularly sees options borrowers haven’t considered. Restructuring debt, financing an addition, buying your first place—he maps out the paths, explains the tradeoffs, and lets you decide. It’s the opposite of transactional.