Your Home. Your Mortgage.

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.

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

Most purchase loans close in 30 to 45 days from application—and when time is tight, we can often move faster. Refinances may close sooner depending on the scenario. Your timeline depends on property type, how quickly you get documents in, and lender volume. Your loan officer gives you a realistic estimate upfront and keeps you updated every step. No surprises.

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What Underwriting Really Looks For in a Mortgage Loan

Yes—and you should. A preapproval shows sellers you’re serious, tells you exactly what you can afford, and gives you an edge when competing for a home. The process is straightforward: credit pull, income verification, asset documentation. Most preapprovals last 60 to 90 days, and your loan officer can refresh it if anything changes. In competitive markets, preapproval wins offers.

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What Happens After You’re Pre-Approved for a Mortgage

Our loan officers are licensed in 20 states and growing: Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Iowa, Kentucky, Maine, Maryland, Minnesota, Nevada, North Carolina, Ohio, Oregon, Pennsylvania, Texas, Virginia, and West Virginia. Each loan officer covers specific states, so when you request a quote, we match you with someone licensed in yours who knows the local market. Don’t see your state? Let us know—we’re expanding.