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?

A VA loan is backed by the Department of Veterans Affairs—zero down, no PMI, competitive rates. You’ll need a Certificate of Eligibility (COE), which Esco can pull for you. As an Army veteran who transitioned through law enforcement into mortgage lending, Esco understands the military-to-civilian path firsthand. He works with veterans who want a loan officer who already knows VA inside and out—no explaining your situation twice.

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Understanding the Benefits of a VA Loan for Veterans and Service Members

Most veterans qualify: 90 days during wartime, 181 days during peacetime, or 6 years in the Reserves or National Guard. Surviving spouses of service members who died in the line of duty may also be eligible. Esco has guided fellow service members through this process for over a decade. He’ll verify your eligibility, pull your COE, and get you moving—no runaround.

Retirement doesn’t shrink your options—it just changes how you qualify. Lenders can use retirement distributions, pension income, Social Security, and asset depletion instead of W-2s. Whether you’re downsizing, buying a second home, or refinancing before you leave work, Esco structures the loan around your post-retirement income. He works regularly with military retirees and empty nesters who want straight answers, not a sales pitch.