The lender types we place mortgages with
A lenders: banks and credit unions
Best rates and the most flexible terms for borrowers with strong income and credit. Most salaried borrowers land here. See salaried mortgages.
Monoline lenders
Mortgage-only lenders that sell through brokers and often compete on rate and prepayment flexibility.
B lenders
For self-employed income, newcomers, rental portfolios or recent credit bruises, with slightly higher rates and fees. See self-employed and newcomer options.
Private lenders
Short-term solutions when timing or credit rules out other lenders, with a plan to move back to a bank. See credit rebuild and payment difficulties.
How we choose for you
- Rate and total cost, including fees and the penalty to break the mortgage.
- Prepayment privileges and portability if you may move.
- Approval fit: how each lender treats your income type, credit and property.
- Speed and service: who closes on time and answers questions.
Our promise on lenders
We recommend the lender that fits you, and we tell you why. Lender names and exact products change often, so ask us for the current options for your situation. Call or text (289) 513-3328 or start an application.