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

There’s no single number. FHA loans accept scores as low as 580 with 3.5% down—or 500 with 10% down. VA and USDA loans have no official government minimum, though most lenders look for 580–620. Conventional loans typically start at 620, with better rates as your score goes up. If your score needs work, your loan officer can show you what’s available now and what a few months of improvement could open up.

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How to Improve Your Credit Score: A Roadmap to Financial Wellness

Less than you might think. VA and USDA loans offer zero-down financing for eligible borrowers. FHA starts at 3.5%. Conventional loans go as low as 3% for first-time buyers. Put down 20% or more, and you skip PMI—that’s pure monthly savings. Your loan officer will map out the options based on your budget and goals.

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What First-Time Buyers Get Wrong About Down Payments

Start with a conversation. Maureen will walk you through what you can afford, which loan programs fit, and what to expect at each step. With 30+ years in the industry—including credit and underwriting—she knows what lenders want to see and how to position your application for a clean approval. First-time buyers are her specialty.

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First-Time Homebuyer’s Checklist

The biggest ones: shopping for a home before getting preapproved, underestimating closing costs, and making big purchases (new car, new furniture) right before closing—which can change your debt ratio and derail the deal. Maureen catches these early. With 30+ years across sales, credit, and underwriting, she knows what trips up first-time buyers and steers you around it.

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What First-Time Buyers Get Wrong About Down Payments

It means she’s seen virtually every lending scenario—rate swings, guideline changes, unusual properties, complex borrower profiles. Her background spans sales, credit, and underwriting, which gives her a vantage point most loan officers don’t have. She spots issues early, structures your file to avoid delays, and handles situations that would slow someone with less experience. Fewer surprises, smoother closing.