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

Non-QM loans are built for borrowers who don’t fit the standard lending box: self-employed, real estate investors, retirees living on assets, or anyone with a non-traditional income profile. Instead of W-2s and tax returns, these loans use bank statements, asset depletion, or DSCR (debt-service coverage ratio) to qualify you. Gary has structured hundreds of these scenarios across 20+ years. He’ll tell you quickly whether Non-QM is the right path.

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Buying a Home When You’re Self-Employed: What Lenders Actually Need

Gary managed a corporate lending division before working directly with borrowers, so complex is where he does his best work. Layered income, unique properties, tight timelines, guideline edge cases—he breaks down the situation, finds the right lender from our 160+ partners, and structures the file to clear underwriting without delays. If someone else told you it was too complicated, that’s the kind of call Gary likes.

Non-QM loans typically close in 30 to 50 days, though turnaround can be faster when documentation is clean and the lender’s pipeline is light. The biggest variable is how quickly you get your bank statements, asset docs, or business records together. Gary’s corporate lending background means he structures your file to anticipate underwriter questions before they come up, which keeps things moving.