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.

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What Underwriting Really Looks For in a Mortgage Loan

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 for a Mortgage

Yes. Anna is fluent in Russian and works with Russian-speaking borrowers throughout the entire process—loan options, documentation, closing procedures, all in your preferred language. Whether you’re buying your first home or adding to an investment portfolio, nothing gets lost in translation.

Yes. Investment property loans are available through our 160+ lender network, though the requirements differ from a primary residence—larger down payment (typically 15–25%), stronger credit, and sufficient reserves. Anna will run the numbers with you: projected rental income, expenses, and how the deal fits your portfolio. She’ll tell you if it pencils out.

It depends on your finances, your goals, and the property. Conventional loans work well for buyers with strong credit and 5%+ down. FHA is built for lower scores or tighter down payments. VA is available to eligible veterans with zero down. Investment property loans and Non-QM options cover scenarios that don’t fit the standard mold. Anna looks at the full picture—income, credit, timeline, what you’re buying—and matches you to the strongest program across our 160+ lenders.

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Popular Loans for Buying a Home