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?

This is one of the most common situations for repeat buyers, and there are several ways to handle it. You can make an offer with a sale contingency (your purchase depends on your current home selling), sell first and rent back from the buyer for a short window, or use the equity in your current home — through a bridge loan or a HELOC — to put money down before it sells. Each path changes how strong your offer looks and how much you carry in the meantime. Dalton walks through which option fits your equity, your timeline, and how competitive your market is, so you’re not stuck owning two homes or scrambling to find one.

A second home you’ll use yourself — a vacation property or weekend place — finances differently from both a primary residence and a rental investment. Lenders usually want a larger down payment (often 10% or more) and look closely at whether the property is truly for personal use versus rental income, which affects your rate and the program you qualify for. Property details matter too: condos, insurance requirements, and HOA rules can all change the picture. Dalton walks through what underwriters look for on a second-home file up front, so the financing doesn’t become the reason the deal stalls.

Your rate isn’t a single number a lender hands out; it’s built from your credit profile, down payment, loan type, property type, and the day’s market conditions. Two borrowers with the same income can get different rates for those reasons. You also have levers: paying discount points to permanently lower the rate, using a temporary buydown (where the rate steps up over the first year or two), or having a seller credit cover some of that cost. Whether any of those make sense depends on how long you’ll keep the loan. Dalton runs the breakeven math up front so you can see what a lower rate actually costs and whether it pays off for your situation.