We offer three packages to fit different needs and budgets:

First Time Home Buyer Package: $399 - Perfect if you need guidance on getting mortgage-ready with credit review, document checklist, and lender preparation.

Premium Insider Package: $799 - Includes everything in the starter package plus 30 days of consulting access, document review, and support through making an offer.

Elite VIP Experience: $1,499 - Deisnged for busy borrowers or investors. Our most comprehensive service with full support from contract through closing, including coordination with all parties and document reviews.

This one-time investment typically saves clients $10,000-$30,000+ over the life of their loan through better preparation and avoiding costly mistakes.

Loan officers aren't actually free—you're paying them through higher rates and fees built into your loan. They earn commissions from lenders, typically $2,000-$4,000 per loan, which incentivizes them to sell you whatever makes them the most money, not what's best for you.

Here's the real difference: A loan officer at Bank A can only show you Bank A's products. Even if Bank B has a better rate, they'll never tell you. They work for the bank, not for you.

As an independent consultant, we have no lender relationships or commission incentives. We review your entire situation, prepare you for the best approval possible, and guide you through the process to avoid the costly mistakes that delay closings or cost thousands in unnecessary fees.

Bottom line: You can pay a loan officer indirectly through a worse deal, or pay us directly to ensure you're truly prepared and making informed decisions. Most clients find that proper preparation and guidance saves far more than our fee.

No, we don't issue loans—we're independent consultants who work for YOU, not a lender. Here's how it works:

What we do: Optimize your financial profile, review your documents and credit, educate you on loan programs, prepare you for the mortgage process, and guide you through each step to avoid delays and mistakes.

What the lender does: Actually underwrite, approve, and fund your mortgage.

Think of it like hiring a real estate agent. They don't sell you their own house—they help you find the best house and navigate the process. We do the same thing for mortgages. We're your advocate who makes sure you're prepared and positioned for success with whichever lender you choose.

Absolutely not—and you're actually in a great position. Many clients come to us after initial conversations with lenders because they want to ensure they're truly prepared and not missing anything important.

Here's what we typically find: Missing documents that could delay approval, credit issues that should be addressed before applying, misunderstanding of loan programs and options, or lack of preparation for the underwriting process.

The worst time to hire us would be AFTER you've closed—when it's too late to fix anything. The best time is before you apply anywhere, but the second-best time is right now, while you still have time to optimize your situation.

Even if you're already in process, we can review your loan documents, help you understand your commitments, and ensure you're avoiding common pitfalls that delay closings.

The timeline depends on your package and situation. Our consultation and guidance can be delivered quickly, but the mortgage process itself typically takes 6-8 weeks from application to closing—that's standard for any mortgage, whether you work with us or not.

Timeline breakdown:

• Initial consultation: 60 minutes
• Document and credit preparation: 1-3 weeks Depending on package. (if needed)
• Application with your chosen lender: Your timing
• Standard underwriting and closing: 30-45 days

Here's the key difference: While the total time is similar, we help you prepare upfront so your application doesn't get delayed by underwriting issues, missing documents, or credit problems discovered too late. Proper preparation prevents the delays that can add weeks or even derail a closing.

In a rush? If you're ready to apply soon and just need guidance and review, we can work within your timeline. We've helped clients who needed to close quickly by ensuring they were properly prepared from day one.

That's exactly when a consultant is most valuable! Complicated situations are where we shine—and where typical loan officers often give up or provide poor guidance.

We regularly help clients with:

• Credit scores in the 680-850 range
• Self-employment or 1099 contractor income
• Recent life changes affecting finances
• High debt-to-income ratios
• Multiple income streams (rental properties, side businesses)
• Large cash deposits or non-traditional documentation
• First-time buyers with limited credit history

Here's our approach: During your consultation, we'll assess your situation honestly. If homeownership isn't realistic right now, we'll tell you exactly what needs to improve and create a 3-6-12 month roadmap to get you there. If it IS possible, we'll show you how to position yourself for the best approval chances.

The more complicated your situation, the more valuable proper preparation becomes. Don't let one discouraging conversation stop you from exploring your options with proper guidance.

Absolutely! Whether you're refinancing to lower your rate, tap into equity, eliminate PMI, or switch loan types, we provide the same comprehensive guidance. Many homeowners miss out on refinancing opportunities simply because they don't know when the numbers make sense or how to prepare properly.

We'll help you understand if refinancing makes financial sense, prepare your documentation, and guide you through the process to ensure a smooth experience.

We work with clients nationwide through virtual consultations, phone calls, and secure document sharing. As long as you're purchasing or refinancing property in the United States, we can help—regardless of where you're currently located.

Most of our process is handled remotely, which makes it convenient for busy professionals and allows us to serve clients across the country.

During our free 30 minute consultation (phone, video, or in-person), we'll have a straightforward conversation about your goals and situation. No hard sell, no pressure—just honest expert guidance.

What we'll cover:

• Your homebuying or refinancing goals and timeline
• Your financial snapshot: income, debts, credit, down payment
• Any potential approval obstacles and how to address them
• Which package best fits your situation
• Realistic expectations for your mortgage journey
• A clear quote for our services if you decide to move forward

You'll walk away with: A better understanding of what you need to do to be mortgage-ready, what potential obstacles exist (if any), and whether hiring us makes sense for your situation. Even if you don't hire us, you'll have valuable insights most people never get before applying.

No hard credit pull, no obligation, no awkward sales pitch. Just a conversation to see if we're a good fit.