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?

Yes. Jonathan is bilingual in English and Spanish and works with Spanish-speaking borrowers daily. He explains loan options, documentation, and closing details in your preferred language. For self-employed borrowers or first-time buyers going through this in a second language, having a loan officer who already speaks yours makes a real difference.

Yes—and Jonathan specializes in exactly this. Self-employed borrowers often think they can’t qualify because their tax returns understate their real income. Jonathan works with business owners, 1099 contractors, and freelancers using bank statement loans, asset-based programs, and other options that look at your actual cash flow. With 160+ lenders, he finds programs built for how you actually earn.

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

Investment property loans finance properties you plan to rent or hold for appreciation. Expect a higher down payment (15–25%), slightly higher rates, and reserve requirements compared to a primary residence. For investors with multiple properties or unconventional income, Jonathan also works with DSCR loans—where the property’s rental income qualifies you instead of your personal income. He’ll run the numbers and tell you if the deal works.