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?

Yes — self-employed income just needs to be documented the right way. If your tax returns show a low net profit after write-offs, a traditional full-doc loan may not reflect what you actually earn. Thomas works with programs built for self-employed borrowers, including bank-statement loans that qualify you on deposits rather than tax-return net income, along with profit-and-loss and asset-based options. The goal is to match how you actually get paid to a loan that recognizes it, and with 25 years structuring these files Thomas can usually tell early which approach fits.

Non-QM stands for “non-qualified mortgage” — it simply means the loan doesn’t fit the standard government-backed checklist, not that it’s risky or last-resort. These programs exist for borrowers whose income is real but doesn’t show up cleanly on a W-2: self-employed owners, real estate investors, recent career changers, or buyers qualifying on assets rather than monthly income. Depending on the situation, a Non-QM loan can use bank statements, rental cash flow (DSCR), or asset depletion to document the ability to repay. Thomas specializes in matching these scenarios to the right program so a strong borrower isn’t turned away for sitting outside the standard box.

Often, yes. A denial usually means the loan didn’t fit one lender’s specific guidelines — not that the deal is impossible. Thomas’s first step is to find out exactly why it was declined: income documentation, property type, credit timing, or debt ratios. From there he restructures the file around the real issue and places it with a lender whose programs actually fit — including the self-employed and Non-QM options many banks don’t offer. Twenty-five years of complex files means he’s usually seen the scenario before and knows where the approval tends to live.