Independent brokerage · Licensed in 14 states
Know your number before you ask.
Most lenders make you apply just to find out what you can afford. We compute it in the open — drag the numbers below and watch your real monthly payment, rate and approval readiness resolve. No credit pull. No email wall.
Estimates include principal, interest, property tax, insurance and PMI where it applies. Your locked rate depends on a full application.
01 — What we place
Every door, one desk.
We are brokers, not a single bank — so we shop 40+ wholesale lenders and bring you the file that actually fits. Typical rate bands this week:
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A
6.63% APR est.
Conventional 30-year fixed
The default for most buyers with 5%+ down. Predictable payment, no surprises, PMI drops off at 20% equity.
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B
6.29% APR est.
FHA · first-time friendly
As little as 3.5% down and flexible credit. We handle the extra documentation so it never stalls your offer.
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C
5.88% APR est.
15-year fixed · pay it off faster
A sharper rate and roughly half the lifetime interest. The move when the budget has room and you want equity fast.
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D
6.95% APR est.
Jumbo & self-employed
Above $806,500, or income that doesn’t fit a W-2 box. Bank-statement and asset-depletion programs we place quietly and often.
Rates shown are illustrative for a well-qualified borrower and change daily. Ask for today’s live sheet →
02 — The process
Four steps. Eighteen days.
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1
Talk, don’t apply
A 15-minute call to hear your plans. We pre-qualify with a soft pull — no ding to your score.
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2
We shop it out
Your file goes to the lenders most likely to win it. You see the top three offers side by side.
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3
Lock & underwrite
We lock the rate and manage underwriting for you — chasing every condition so you don’t.
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4
Clear to close
Final numbers confirmed, keys in hand. Average close: 18 days from application.
03 — Who you work with
Dana Whitfield, principal broker.
Fourteen years placing loans, the last nine as an independent. Dana answers her own phone, reads your file personally, and will tell you plainly when waiting three months is the smarter move than buying today.
“My job is the number you can live with for thirty years — not the biggest one an algorithm will approve.”
- Funded to date
- $2.4B
- Avg. days to close
- 18
- Family rating
- 4.9/5
- States licensed
- 14
What clients say
We’d been turned down twice before Dana. She found a bank-statement program in an afternoon, locked us a rate we didn’t think we’d see, and we closed in 19 days. First house. Still can’t believe it’s ours.
04 — Start the conversation
Get your real approval.
Send the basics. Dana or a broker on her desk replies personally — usually the same business day — with the live rate sheet for your number.
- Soft credit check only. No hard pull to get started.
- No obligation and nothing sold. A conversation, not a contract.
- Your details are never shared or resold. Ever.