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?

The honest answer: only when the math works. A refinance makes sense when the monthly savings outweigh the closing costs within a timeframe you’ll actually stay in the home, when restructuring the loan term matches a change in your life, or when you need to put home equity to work. Brandon starts every refinance conversation with a break-even analysis — what the move costs, what it saves, and when those lines cross. If the numbers don’t pencil out, he’ll tell you to keep the loan you have.

A cash-out refinance replaces your current mortgage with a larger one and pays you the difference in cash at closing. Homeowners typically use the funds for renovations, consolidating higher-interest debt, education costs, or a major purchase — the money is yours to direct, though some uses make more financial sense than others. How much you can access depends on your home’s value and the equity you’ve built, so the first step is understanding your equity position. Brandon walks through the trade-offs — new rate, new term, closing costs — before any application, so you know exactly what the cash costs you.

It’s one of the most consequential questions a homeowner faces, and it’s where Brandon’s 12 years across both real estate and mortgage lending earn their keep. Selling means transaction costs, moving costs, and financing your next home at today’s rates; refinancing can lower your payment or unlock equity while you keep the home you have. The right answer depends on your equity, your current rate, market conditions, and what you actually need the move to accomplish. Brandon lays out both paths with real numbers so you can compare them side by side before deciding.