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?

VA loans aren’t automatically the best fit for every veteran — it depends on down payment, credit profile, property type, and long-term plans. VA typically wins where there’s no down payment available, where private mortgage insurance would be a long-term drag (VA has no PMI regardless of equity), where seller-paid closing costs need to be maximized (up to 4% of the loan amount), or where the borrower’s income profile benefits from VA’s more flexible underwriting. Conventional often wins with strong credit and 20%+ down, on investment properties (VA requires owner occupancy), or when the VA funding fee outweighs the long-term PMI savings. Brian works through both scenarios so the veteran knows which loan type matches the transaction and the long-term plan.

Investor financing is one of Brian’s specialties. With access to 160+ lenders, REZILOANS can source loan products that fit different investor strategies — DSCR loans that qualify based on rental income instead of personal income, portfolio loans for borrowers with 5+ properties, and conventional financing structured for non-owner-occupied transactions. The right product depends on the goal: building cash flow, refinancing equity into the next deal, or holding for appreciation. Brian works through the options before the offer is written so the financing aligns with the investment strategy.

Jumbo loans exceed the conforming loan limit — currently $832,750 in most U.S. counties (higher in designated high-cost areas). Because they can’t be sold to Fannie Mae or Freddie Mac, jumbo loans use different underwriting: typically stronger credit, larger down payments, and more documentation than conventional loans. With access to 160+ lenders, Brian can shop jumbo guidelines that fit the scenario — a self-employed buyer with complex income, a high-net-worth borrower using portfolio income, or a luxury-tier purchase in a competitive metro. The goal is to clear underwriting cleanly the first time.