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"I highly recommend Courtney Wittner at DG Funding. She is incredibly professional, knowledgeable, and always up to date on what’s happening in the mortgage and lending landscape. She has been a ..."
Read full review Loan Officer: Stacey Dowling"Stephanie and her team, Ashley and Amanda, have been great! I was working with another company prior to working with them and I was getting massive roadblocks at every turn. Then, by chance I found a ..."
Read full review Loan Officer: Ken Schmidt"It was so easy to work with Jonathan and the team at PrimedUp Lending. The partnership between my Realtor and the mortgage company made the home buying experience thorough and stress free. Anytime I ..."
Read full review Loan Officer: Jonathan Williamson"I have had the pleasure of working with Brandon for several years, and I can confidently say that he is one of the best in the business. Both purchasing and selling, Brandon was there every step of ..."
Read full review Loan Officer: Brandon Tompkins"I am a proud first time home owner and Dawn made this possible. She was professional, supportive, informative, transparent, and always responsive. Dawn is sincere, non judgmental, and was always ..."
Read full review Loan Officer: Dawn Palestini"As first-time homebuyers, we had no idea what to expect, but Cody with Primedup Home Lending made the entire process so much easier. He walked us through every single step, explained things in a way ..."
Read full review Loan Officer: Cody Leake"Had a great team behind us throughout the whole process! Avery made herself available to answer any questions or concerns after hours (and we had a lot of them as first time home buyers). It was much ..."
Read full review Loan Officer: Ax Cortes"The communication was amazing. Every question was give the amount of time and effort I expected. The answers to the questions weren't always what I wanted to hear, but they were correct and ..."
Read full review Loan Officer: Aaron Knutson"Sam Bromley with the Bromley Mortgage Team is nothing short of incredible. He truly moved mountains to help my family close on our home on Christmas Eve in Colorado Springs; something we honestly ..."
Read full review Loan Officer: Samuel Bromley"We have been working with Gene for over a decade for all of our lending needs. We embarked upon building a new home last year and I got sweet-talked/bullied into using the builder's lender during ..."
Read full review Loan Officer: Gene Fuessel"Matt and his team (thanks, Kevin!) did a fantastic job guiding us through our recent home purchase. This is my 3rd time buying a home, and this is by far the smoothest financial experience - Matt ..."
Read full review Loan Officer: Kevin Rowntree"I cannot speak highly enough of my experience working with Matt. He is the most professional, efficient, responsive, and resourceful person I have worked with in a long time. Matt answers calls and ..."
Read full review Loan Officer: Matthew Hardy"I would highly recommend Adam and Colorado Lending. As a first-time buyer, I had questions and concerns throughout the process; Adam is highly-experienced, responsive, and helpful, which made my ..."
Read full review Loan Officer: Darren Cox"Stefanie and her team are incredible! They work so hard and truly know what they’re doing. My husband and I were in a bit of a unique situation which included buying a house from a family member — ..."
Read full review Loan Officer: Stefanie Gilbert"We confidently refer our clients to Jill McCain at Xpert Home Lending because she consistently delivers an exceptional experience from start to finish. Jill provides a true white glove mortgage ..."
Read full review Loan Officer: Jill McCain"The team at Ultimate lending has now helped me with two mortgages and both were incredibly smooth (even with complex finances and multiple party mortgages). Both my loans closed on time and never ..."
Read full review Loan Officer: James (Jim) Nolte"2020 refi review: In 2020 Michael also assisted my husband and me in our refinance of our home. Before we made our choice, Michael explained the various options and was patient with me as I wrote 2 ..."
Read full review Loan Officer: Michael Radcliffe"This is my second experience with Sean and Shana and I came back because my first experience was so wonderful. Shana was my main go to this time around and she made everything easy to understand, ..."
Read full review Loan Officer: Safholm, Sean"My experience working with Anders as my Mortgage Broker was nothing short of extraordinary. His patience and unwavering support throughout the home-buying process were truly remarkable. Anders ..."
Read full review Loan Officer: Mark Anders Striemer"Jesseca is the best! We had a tough situation in front of us. We were given a 60 day notice to move from our rental. Faced with an uphill battle we were recommended to Jesseca from our Realtor. She ..."
Read full review Loan Officer: Jesseca Hendricks"Working with Juliana was truly a blessing as we navigated purchasing our first home as newlyweds. We came in with a lot of questions and some initial anxieties about securing the right financing. ..."
Read full review Loan Officer: Juliana Garcia"Ryan Phillips is a man of great character. His character is beyond reproach. Ryan’s knowledge, candor, and steadfast approach to client needs is impeccable. His abilities and dedication to his job, ..."
Read full review Loan Officer: Ryan Phillips"Mike was awesome through and through. We started on an initial discovery call to get a vibe of what is realistically possible. Gave him my numbers and what I was ultimately comfortable with and he ..."
Read full review Loan Officer: Michael Dannenberg"Alisha Benge is the kind of lender every Realtor hopes to have in their corner. She’s sharp, strategic, and knows the mortgage game inside and out. But what really sets her apart is how she applies ..."
Read full review Loan Officer: Alisha Benge"Deborah was simply the best to work with. I refinanced my home loan through her firm and we closed in record time. She is credible, she is professional, responsive, and personable. I recommend ..."
Read full review Loan Officer: Deborah Hunt-Regan"I only write reviews, good or bad, when I believe it to be 110% warranted to do so. Stephanie Cramm is deserving of this review even above this benchmark. She is incredible. Stephanie is friendly, ..."
Read full review Loan Officer: Stephanie Cramm"Buying a home is one of the most significant purchases we make in life. For this reason I sought for someone that would not only help me make this dream a reality at any cost, but someone who I could ..."
Read full review Loan Officer: Chris Granger"A good friend referred us to JD Home Loans. My family had a great experience with the loan officer Johnny. We were in a bad situation with another loan officer we were working with, but when we ..."
Read full review Loan Officer: Johnny Delgadillo"I loved working with Kim to buy my first house in 2022. I got connected with her through my amazing Realtor, Dee Prodigalidad, and Kim walked me through all aspects of preparing to purchase, making ..."
Read full review Loan Officer: Kimberly Martinez-Bartholow"Working with Arturo was truly a blessing during my home-buying journey. From the very beginning, he made me feel supported, understood, and confident—something that meant so much during such a big ..."
Read full review Loan Officer: Arturo Solis"Dizreal was the perfect match for a lender that my wife and I needed to purchase our first home. He was very responsive and able to get preapproval letters very quickly and ultimately close on the ..."
Read full review Loan Officer: Dizreal Castillo"Drew Waterfall is a great subject matter expert and professional. Drew guided me through the entire process step by step with compassionate expectation management. He kept me updated as we navigated ..."
Read full review Loan Officer: Drew Waterfall"Paul was outstanding to work with from start to finish. He communicated clearly, stayed ahead of timelines, and made a complex process feel organized and predictable. Every update was timely and ..."
Read full review Loan Officer: Paul Schmitt"Cannot say enough good things about Todd Galde and his associate Harly Cotaco. Our realtors referred us to them for help with a bridge loan. We had no clue what a bridge loan was or how it worked or ..."
Read full review Loan Officer: William "Todd" Galde"If you are looking for a professional loan Manager that has the ability to navigate through the uncharted waters of home financing than look no further than Nicholas Andrews with Select Homes Loans. ..."
Read full review Loan Officer: Christi Milroy"Jennifer is amazing to work with. She’s highly organized, hard-working and extremely smart. The best part is she’s become a friend through the years of several mortgages. She’s a blessing with a big ..."
Read full review Loan Officer: Jennifer Clemens"Formula Funding has been a true blessing for my business journey. I was able to secure a loan with their help, and the entire process was smooth, professional, and supportive. They didn’t just ..."
Read full review Loan Officer: Marcus Dho"My husband and I highly recommend Rob Scheuing and his team at Sherwood Mortgage. There is a lot of choices when choosing a broker to work with and you will be very pleased you chose to work with ..."
Read full review Loan Officer: David Austin"Working with Dane Costa at HI Velocity Mortgage was an incredibly smooth and painless experience. As a first time home owner, Dane was there to answer any questions I had and was always very ..."
Read full review Loan Officer: Dane Costa"This was a word of mouth referral from our financial advisor who has worked with Noel and his team before. We couldn’t have made a better choice. A very Professional and personal service. Noel took ..."
Read full review Loan Officer: Noel BrownellWe partner with loan officers in your community and provide them with the products, technology, and process to serve you best.
A mortgage broker works for you — not a bank. When you go directly to a retail lender like a bank or credit union, you're limited to that single institution's rates, loan programs, and qualification guidelines. A mortgage broker like Xpert Home Lending has access to multiple wholesale lenders who compete for your business. We shop your loan across these lenders to find the best rate, terms, and program for your specific financial situation. Think of it this way: a bank gives you one menu. We give you the whole kitchen.
The wholesale mortgage channel is structurally less expensive than retail lending. Banks and direct lenders build branch overhead, national advertising budgets, and corporate costs into every loan they originate — and that cost lands on you. Wholesale lenders price their loans for brokers at lower rates because the broker handles the borrower relationship. The result: you get access to wholesale pricing that retail borrowers never see. Multiple lenders competing for your loan means better rates, lower fees, and more flexibility on terms.
Less than you think. The 20% down payment is a common myth — most borrowers put down far less. Conventional loans are available with as little as 3% down. FHA loans require just 3.5%. VA loans for eligible veterans and active-duty service members require zero down payment. USDA loans for qualifying rural properties also offer 0% down. Your Xpert loan officer will walk you through the options and help you determine what fits your budget and goals. A smaller down payment gets you into a home sooner, and we'll help you understand any trade-offs like mortgage insurance.
There is no single magic number. Different loan programs have different thresholds. Conventional loans generally require a 620 or higher. FHA loans can go as low as 580 with a 3.5% down payment. VA and USDA loans have flexible credit guidelines that vary by lender. Because Xpert works with multiple wholesale lenders, we can often find a fit for borrowers who have been turned away elsewhere. If your score needs work, your loan officer can provide a concrete action plan to get you mortgage-ready. And don't worry about the inquiry — multiple mortgage credit checks within a 45-day window count as a single inquiry on your report.
This is where Xpert stands apart. We offer a full suite of Non-QM loan options designed for borrowers who earn strong income but don't fit the standard W-2 mold. Bank statement loans let you qualify using 12 or 24 months of personal or business bank statements instead of tax returns. Asset-based qualification uses your liquid reserves to demonstrate your ability to repay. 1099-only programs work for independent contractors and gig workers. Profit-and-loss statement loans use a CPA-prepared P&L as your primary income document. These are real loan programs with competitive rates — not last-resort options. If you're a business owner, freelancer, contractor, or investor, we have a path for you.
Because we work with multiple wholesale lenders, our product menu is broader than what any single bank can offer. Conventional fixed-rate and adjustable-rate mortgages for primary residences, second homes, and investment properties. FHA loans for first-time and credit-flexible buyers. VA loans with zero down payment for eligible veterans and service members. USDA loans for rural and suburban properties. Jumbo loans for higher-balance transactions. Non-QM loans including bank statement, asset-based, DSCR for investors, and 1099-only programs. Your loan officer will match you to the right program — not push you into a one-size-fits-all product.
For a standard application, you'll want to have the following ready: two recent pay stubs, W-2s from the last two years, federal tax returns from the last two years, bank statements from the last two months, and a valid government-issued ID. Self-employed borrowers may need business tax returns, a year-to-date profit-and-loss statement, or 12–24 months of bank statements depending on the loan program. Your Xpert loan officer will give you a specific checklist based on your situation so there are no surprises.
Most lenders take 30 to 45 days from accepted offer to keys in hand. Refinances can often move a bit faster. Because Xpert partners with UWM — the nation's largest wholesale mortgage lender — we benefit from same-day underwriting decisions and technology built for speed. This means that our loan officers can accommodate quicker closing times than other lenders are able to.
Estimated Monthly Payment
$2,076
No obligation. Takes about 2 minutes.