what loan is right for you?
different types of loans we offer
CONVENTIONAL LOANS
A traditional mortgage not backed by the government, ideal for borrowers with good credit and stable income. It typically requires a down payment and offers competitive rates.
GOVERNMENT-BACKED LOANS
Include FHA, VA, USDA, and EEMs, offer affordable and accessible financing options for specific needs. FHA loans are ideal for first-time homebuyers or those with lower credit scores, while VA loans provide zero-down options for veterans and active-duty service members. USDA loans support homebuyers in eligible rural areas with no down payment, and EEMs allow borrowers to finance energy-efficient home improvements, reducing long-term utility costs.
INVESTMENT LOANS
DSCR Loans, Construction Loans, and Hard Money Loans are tailored for real estate investors and developers. DSCR loans focus on a property’s rental income rather than the borrower’s personal income, Construction loans provide short-term financing to build or renovate properties, and Hard Money loans offer quick, asset-based funding ideal for fast-moving investment opportunities.
REFINANCING
Refinance Loans replace your current mortgage to lower rates, reduce payments, or adjust terms. While Cash-Out Refinances let you borrow more than your current loan and take the difference in cash for other financial needs.
FIX N FLIP LOANS
Short-term financing options designed for real estate investors looking to purchase, renovate, and quickly resell properties for profit. These loans provide fast funding to cover both the purchase price and renovation costs, making them ideal for flipping projects.
work with a mortgage broker
My team works with first time homebuyers and real estate investors who are looking to make smart, longterm investments. We focus on transparency, clarity, and great customer service. Which has provided our company Mortgage Loan Haus great reviews and returning customers – year after year. If you want to work with one of the fastest growing mortgage companies throughout the United States, here are some questions you may want to have answered:
Mortgage Lender vs. Mortgage Broker: Why a Broker is Your Best Choice
When it comes to securing a mortgage, you have two main options: working directly with a mortgage lender or using a mortgage broker. While lenders provide loans directly, mortgage brokers act as your personal loan shopper, finding you the best rates and loan options. If you want lower interest rates, more loan options, and an easier approval process, working with a broker is the smarter choice.
Key Differences – Why Work with a Mortgage Broker?
| Feature | Mortgage Lender | Mortgage Broker (Best Choice) |
|---|---|---|
| Access to Multiple Lenders | ❌ No (only their own loans) | ✅ Yes – shops multiple lenders for the best deal |
| Lower Interest Rates | ❌ Limited to their rates | ✅ Finds the most competitive rates available |
| Loan Approval Flexibility | ❌ Stricter guidelines | ✅ Works with different lenders to find one that fits your situation |
| Faster Pre-Approval Process | ✅ Yes, but only for their products | ✅ Yes – can match you with a lender that approves you faster |
| More Loan Options | ❌ Limited to their own products | ✅ Yes – FHA, VA, Jumbo, Bank Statement Loans, ITIN Loans, and more |
| Personalized Guidance | ❌ Loan officers work for the bank, not you | ✅ Brokers work for YOU and find the best loan for your needs |
| Best for… | Borrowers who are okay with limited options | ✅ Borrowers who want the best rates, flexible approvals, and expert guidance |
Why Choose a Mortgage Broker?
✅ Lower Interest Rates – Brokers compare rates from multiple lenders, ensuring you get the best deal possible.
✅ More Loan Options – Whether you need an FHA, VA, Jumbo, ITIN, or Bank Statement Loan, brokers have access to products that many banks don’t offer.
✅ Easier Loan Approvals – If one lender declines your application, a broker can quickly match you with another lender who will approve you.
✅ Faster & Hassle-Free Process – Instead of applying to multiple banks yourself, brokers handle the shopping, paperwork, and negotiations for you.
✅ No Extra Cost to You – Mortgage brokers are paid by the lender, so their service typically costs you nothing extra.
The Bottom Line
If you want the best rates, more loan options, and a stress-free mortgage process, working with a mortgage broker is the best decision. They work for YOU—not the bank!
Mortgage Lender vs. Mortgage Broker: Why a Broker is Your Best Choice
When securing a home loan, you can either work directly with a mortgage lender or use a mortgage broker. While lenders offer only their own loan products, brokers shop around to find you the best rates, better loan options, and easier approvals. Here’s why working with a broker is the smarter choice:
Key Differences – Why Work with a Mortgage Broker?
1️⃣ Access to Multiple Lenders
- ❌ Lender: Only offers their own loan products.
- ✅ Broker: Shops multiple lenders to find you the best rates and terms.
2️⃣ Lower Interest Rates
- ❌ Lender: Limited to their own rates.
- ✅ Broker: Compares multiple lenders to secure the lowest rate available.
3️⃣ Loan Approval Flexibility
- ❌ Lender: Stricter lending guidelines—if you don’t qualify, you’re out of luck.
- ✅ Broker: Works with different lenders to match you with one that fits your situation.
4️⃣ Faster Pre-Approval Process
- ✅ Lender: Can approve loans quickly but only for their own products.
- ✅ Broker: Finds a lender that can approve you the fastest.
5️⃣ More Loan Options
- ❌ Lender: Limited to their own loan programs.
- ✅ Broker: Offers FHA, VA, Jumbo, Bank Statement, ITIN Loans, and more—loans you won’t always find at a bank.
6️⃣ Personalized Guidance
- ❌ Lender: Loan officers work for the bank, not for you.
- ✅ Broker: Works for YOU to find the best mortgage tailored to your needs.
Why Choose a Mortgage Broker?
✅ Lower Interest Rates – Brokers compare multiple lenders to get you the best deal.
✅ More Loan Options – Whether you need FHA, VA, Jumbo, ITIN, or Bank Statement Loans, brokers have access to more products.
✅ Easier Loan Approvals – If one lender says no, a broker finds another that says yes.
✅ Faster & Hassle-Free Process – Brokers handle everything—so you don’t have to deal with multiple banks.
✅ No Extra Cost to You – Mortgage brokers are typically paid by the lender, so their service costs you nothing extra.
The Bottom Line
A mortgage broker gives you more choices, better rates, and a stress-free home loan process—and they work for YOU, not the bank!
MORTGAGE BROKERAGE
NMLS# 2516874
Caleb Mackey – MORTGAGE BROKER
NMLS# 2561934
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