Built by a broker who got tired of borrowers overpaying.

Your bank can only offer your bank's loans, priced from one rate sheet. We're a wholesale mortgage broker — we compare your file across 20+ wholesale lenders on the same day. Wholesale rate sheets are typically 0.25%–1% better than retail rate sheets because there's no branch overhead and no retail markup. On a 500,000 dollar loan, 0.5% in rate equals roughly 53,000 dollars over a 30-year term.

Victor Santos is the founder and lead broker (NMLS #888844). He personally handles a working file load and oversees a team of licensed loan officers. Every borrower works with a licensed person, not a call-center rep. On smaller files or in states where Victor isn't your dedicated officer, you'll be paired with a senior LO on the team — but Victor still oversees the brokerage's quality and pricing standards.

No. The first conversation is a soft conversation — income, assets, property type, goals. We give you a real pre-approval range based on stated information. We only pull credit when you're ready to lock pricing on a specific lender, and we use a soft pull where possible to compare offers across the panel.

California, Colorado, Florida, Idaho, Maryland, New Hampshire, South Carolina, Texas, and Virginia. Each state license is independently verifiable on the NMLS Consumer Access site at nmlsconsumeraccess.org (search NMLS #2134550). We add states based on borrower demand and regulatory approval timelines.

21 days is our average on a clean purchase file (W-2 borrower, single-family primary, conforming loan amount, no major credit events). Refinances are often 14–18 days. Non-QM, jumbo, and complex self-employed files run 25–35 days — the appraisal and underwriting on those programs is genuinely longer, and we'd rather quote you honestly than promise speed we can't deliver.

FHA loans start at 580 (some lenders 500). VA loans most lenders want 580+. Conventional minimum is 620 but pricing improves materially at 680, 720, and 760+. Non-QM programs exist for borrowers with credit issues we've cleaned up over the past 12–24 months. We pull lenders that match your exact credit profile — one of the advantages of running 20+ panels.

We're a licensed wholesale mortgage broker. We don't fund the loan ourselves — that's the point. Brokers don't have a balance sheet to protect, so we route your file to whichever lender's pricing wins that day. Correspondents and direct lenders are tied to their own pricing. Brokers shop.

The initial conversation and pre-approval are free. Broker compensation is regulated — it's either lender-paid (built into the rate, with the same disclosed rate you'd get going direct to that lender) or borrower-paid (a flat fee disclosed up front). Either way, the compensation is the same regardless of which wholesale lender wins your file. That's by federal regulation — we have zero financial incentive to push you to a higher-rate lender.

Irvine, California. We close loans nationally across our 9 licensed states — in-person where you are, by overnight mail, or via remote online notarization (RON) in states that permit it. You don't have to be in Irvine to work with us.

This is one of our specialties. Self-employed and 1099 borrowers get turned away from retail banks because traditional underwriting wants two years of W-2s. We have non-QM lender panels that underwrite to bank statements, P&Ls, asset depletion, or even just liquid reserves — programs most retail shops don't write. Call us before you give up.