Thirty years,
not thirty days.
Most mortgage brokers are done the day your loan closes. We keep watching yours every morning after that, and your advisor calls when there is money in it for you: a lower rate, a payment you can cut, equity you can use.
Interactive mortgage timeline radar. Rings represent the life of a loan. Highlights specific refinancing and equity milestone opportunities monitored by your advisor.
* Trailing twelve months, all states, every file. Not a selected sample. ** We cover origination, lender, appraisal, credit and eligible third-party fees. Taxes, government charges, prepaids and certain title fees are excluded. Eligibility and program terms apply.
Buy a home.
Know what you can afford before you shop, and close on the date in your contract.
Refinance.
The exact rate that makes it worth it, and a call when the market reaches it.
Invest.
5% down on up to 4 units.
5% down requires eligible owner-occupied financing; investment-only properties require more. Subject to underwriting and program limits.
Before you
ever sign.
Every file is pre-underwritten and every document validated before it reaches the lender. What would move your closing date gets found while there is still time to fix it.
Before you
ever sign.
Every file is pre-underwritten and every document validated before it reaches the lender. What would move your closing date gets found while there is still time to fix it.
The first call.
You ask a question at 9pm. You get an answer at 9pm.
The weeks in between.
Problems get found early and solved early. You hear where the file stands from us, before you have to ask.
Closing day.
You close on the date in your contract, and the numbers are the ones you were shown. Nothing new appears at the table.
And then,
thirty years.
Here is what that looks like.
Year two.
Rates hit your number. You refinanced. It cost you nothing.
Year four.
PMI could come off. We filed it. The payment dropped $186.
$186 is an illustrative amount, not a savings quote.
Year six.
Your escrow jumped after a reassessment. We found the exemption you had not filed, and the payment came back down.
Year nine.
Your home gained value. You knew the number, and what it could do, without having to ask.
Year seventeen.
You pulled equity for the second property. Nobody asked you to start over.
Year thirty.
Paid off. You never had to explain your situation to a stranger.
And after.
A paid-off house is an asset. If retirement is the next thing it has to do, a reverse mortgage is a conversation we can have.
Mortgage Radar
Mortgage Radar watches the market. Neo, our assistant, reads your loan against what the market is doing. When the two line up, an advisor calls you. Not an email blast. A person who knows your name.
Free refinancing for life
We cover origination, lender and standard third party fees, including appraisal and credit. In many cases, we cover title fees too. Taxes and government fees are excluded. Other prepaid expenses and certain closing costs may apply. Subject to eligibility and program terms.
Your lender handles your payment. We watch for ways to lower it. Calculate your monthly payment
The person who answers is the person who knows your file.
Or Gera
Managing PartnerNMLS 1269459
Licensed in FL, TX, IL, MI, PA, MD
Or Gera is currently restructuring the process consumers use to apply for and receive loans, making it cheaper and easier.
Omri Markovitz
Loan ManagerNMLS 1786665
Licensed in TX, IL
Introducing Omri Markovitz, a seasoned professional with eight years of dedicated experience as a loan advisor.
Brad Magnant
Loan ManagerNMLS 1922528
Licensed in CO, FL, IL, MI, TX
Meet Brad Magnant, a seasoned expert in real estate with over a decade of invaluable experience.
Andrey Puzanov
Senior Loan Advisor | Branch ManagerNMLS 1974195
Licensed in IL, FL
Introducing Andrey Puzanov, a Senior Loan Advisor with extensive experience helping individuals, families, and business owners navigate the mortgage process with confidence.
Avigail Levinson
Loan ManagerNMLS 1473343
Licensed in CO, MI, IL, FL
Introducing Avigail Levinson, a seasoned professional with eight years of dedicated experience as a loan advisor.
Three problems. Three outcomes.
$85,000
- The problem
- Told she needed 25% down on a condo she was buying for her parents, because a large lender called it an investment property.
- The outcome
- 5% down, no points, market rate. Same condo, same buyer, $85,000 less at closing.
The Family Opportunity provision has specific eligibility requirements and is not available in every scenario.
$40,000
- The problem
- Already pre-approved and about to close without the grant he qualified for.
- The outcome
- A grant program found, applied for and closed on an accelerated timeline. No repayment.
10 properties
- The problem
- Capped at four by his debt-to-income, waiting on tax returns to season before every purchase.
- The outcome
- Qualified on the rent the properties produce instead of his personal income. Still buying.
DSCR programs are for investment properties, and results depend on the property, the borrower and the deal.
For Real Estate Agents, CPAs, Advisors and More
— Your client stays your client.
Most lenders start marketing to your client the day after closing. We do the opposite. We close the loan, keep it on our radar, and when there is an opportunity it shows up on your own Radar page.
Illustrative example only, not an available rate or loan offer. Interest rates may change or may not be available at the time of loan commitment or closing.
Start with a conversation,
not an application.
Fifteen minutes, your questions, and an honest answer.
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