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?

Closing costs typically run 2–5% of the loan amount, but the breakdown matters more than the headline number. The main categories are lender fees (origination, underwriting, processing), third-party fees (appraisal, title search and insurance, settlement, credit report), government recording fees and transfer taxes, and prepaids — the property tax and homeowners insurance reserves your lender collects at closing so the escrow account is funded from day one. Some of these line items are negotiable; some are fixed by state or by the lender. Derek walks through every line on the Loan Estimate well before closing day, so there are no surprises at the table — and where there’s room to negotiate or apply seller credits, he flags it while there’s still time to do something about it.

Most first-time buyers underestimate how much happens between “I want to start looking” and getting keys at closing. The sequence typically runs: (1) initial conversation to understand goals, budget, and timeline; (2) preapproval — credit pull, documentation of income and assets, written letter the agent can present with offers; (3) home search and accepted offer; (4) full loan application and underwriting review; (5) appraisal and title work; (6) final approval and closing disclosure; (7) closing day. Each stage has its own checklist and its own waiting period. Derek’s role is to keep all of it organized in front of you so you know what’s happening today, what’s pending, and what comes next.

A refinance only makes sense when the math works for your situation — not when rates make headlines. The variables that matter most: how much you’d save monthly after closing costs are factored in, how long you plan to stay in the home, whether you’re trying to change loan type (out of an ARM into a fixed rate, or out of FHA mortgage insurance into conventional once equity supports it), and whether you’re pulling cash out for other goals. The right answer is different for every borrower. Derek walks through the breakeven math up front — if the numbers don’t justify the refinance, he’ll say so before any application starts.