Closing on Your Home is Within Reach

1-on-1 mortgage broker services that simplify the mortgage process so you can close on your home without the stress & complication.

Gain clarity on complex loan options

Save your time with paperwork

Make informed, confident decisions

Start My Loan Application

Is Your Homeownership Journey Becoming a Nightmare?

You’re gathering stacks of paperwork, trying to make sense of it all, and wondering if you’re on the right track.

You’ve spent hours comparing rates and terms from different lenders, but everything still feels like a gamble.

There’s an overwhelming amount of information, with no one to clarify what’s essential versus what’s noise.

You feel uncertain and a bit anxious, as each small decision could impact you financially for years to come.

It doesn't have to stay like this!

President & Home-Financing Expert

Hey, I'm Mike Louden!

With over a decade of experience, I’ve learned how to make the mortgage process smoother and stress-free.

My priority is understanding your unique needs and guiding you toward options that genuinely work for you.

No overwhelm, no confusion—just clear, actionable steps tailored to your goals.

If you’re looking for a transparent and personalized mortgage experience, I’m here to help. Let’s get started!

I’m here to answer all your questions.

I educate & coach you throughout the process.

6 Reasons Homebuyers Work With Us

More Loan Options & Better Rates

We work with a network of lenders to offer you loan options and better rates that aren’t always available elsewhere.

Time-Saving & Smooth Process

We handle all loan paperwork and lender communications, making the process a lot simpler for you.

Personalized Support & Confident Decisions

We guide you on loan options, costs, and terms, answering all your questions along the way.

Better Approval Odds

We help structure and present your finances to increase the likelihood of approval, even with complex profiles.

Clear Loan Costs

We provide transparent cost breakdowns, so you fully understand fees and interest rates upfront.

Faster Closing Timeline

We coordinate all documents and communicate with lenders, appraisers, and underwriters to avoid delays.

The Roadmap to Homeownership

Step 1: Schedule Your Initial Consultation

Mike meets with you to understand your needs, explains loan options, and helps you get pre-approved.

Step 2: Find The Right Loan

Based on your financial situation, Mike presents tailored loan options and advises on the best choice for your goals.

Step 3: Apply & Close

Mike assists you through the application, ensuring everything is on track, making sure you're confident and ready to move forward.

Why Clients Love Our Mortgage Broker Services

Frequently Asked Questions

What is an APR?

The APR is the yearly cost of a loan, including fees and points. It’s higher than the advertised rate and helps you compare loan offers. It doesn’t affect your monthly payment but shows the total loan cost.

When should I refinance?

Refinance when rates are 1-2% lower than your current loan. Even a small rate cut can save you money. For example, lowering a rate from 8.5% to 7.5% on a $100,000 loan could save you $70 per month.

What documents do I need to prepare for my loan?

You’ll need pay stubs, W-2s, tax returns, bank statements, and info on current debts. More documentation may be required based on your financial situation.

What is an appraisal?

An appraisal estimates a property's value to ensure the loan amount doesn’t exceed the home’s worth. It’s done by a licensed professional before loan approval.

How is my credit judged by lenders?

Lenders use credit scores to judge your creditworthiness, based on payment history, outstanding debt, credit length, and new credit applications. Scores range from 350 (high risk) to 850 (low risk).

Should I pay points to lower my rate?

Pay points if you plan to stay for a few years. It lowers your interest rate and monthly payments. If you’ll move soon, you might not save enough to cover the upfront cost.