We're local mortgage brokers. We help you figure out what you can afford and get you approved for a home loan, all in plain English. It takes about an hour, and checking won't hurt your credit score.
Almost everyone thinks they need to save 20% of the price first. You don't. A down payment is just the cash you pay up front, and on a $250,000 home it can be a lot smaller than you'd guess.
On top of the down payment, there are closing costs, the fees to finalize everything, usually about 2% to 5% of the price. Add it up and most first-time buyers need around $15,000 to get started. Often less if the seller or a family member helps with the costs.
Plenty of first-time buyers get in for far less than they expected. We'll tell you your exact number before you start looking, so nothing catches you off guard.
We talk through your budget and your comfort zone. No commitment, and no hit to your credit. Just a clear picture of where you stand.
Pre-approved just means a lender confirms how much you can borrow. We do it in about an hour, then send a short video explaining your numbers in plain English.
Found a home you love? We review the real numbers on that specific house with you before you make an offer.
Closing takes about 30 to 60 minutes. Then the keys are yours, and we stay in touch long after move-in day.
Our advice isn't tied to selling you a pricier loan. We work to put you in the right one, full stop.
Instead of one bank with one set of options, we check dozens of lenders to find the loan that fits you best. It costs you nothing extra.
We explain every term and every number until it makes sense. You'll never sign something you don't understand.
You get a single point of contact who knows your file, not a call center and a new name every time.
We live and work in this community. We know Cleveland neighborhoods, Ohio programs, and the local market, because it's our home too.
"First-time buyers and we were nervous about everything. They walked us through each step and made it feel easy. We closed without a single surprise."
"I thought I needed 20% down and was years away. Turns out I was ready. The video explaining my numbers was a game changer."
"Same person from the first call to the closing table. They actually picked up the phone every time. Cannot recommend enough."
Nothing, in most cases. A mortgage broker is someone who shops different lenders to find your best home loan. The lender pays us when your loan closes, not you. So you get the help and the comparison shopping at no added cost.
Less than most people think. Down payments can start as low as 3% of the price, and some buyers (veterans or rural areas) put $0 down. Once you add the closing fees, most first-time buyers need around $15,000 to get started, and sometimes less if the seller or a family member helps with the costs. We'll work out your exact number on a quick call.
No. We start with a soft credit check, the kind that does not lower your score at all. You can find out exactly where you stand with zero risk to your credit.
About an hour once we have your basic information. We'll also send you a short video that walks through your numbers, so you know exactly how much home you can shop for.
There's more flexibility than you'd expect, and different programs have different guidelines. Many first-time buyers qualify with scores well below what they assume. The best move is to let us look at your specific situation, since your score is only one part of the picture.
Let's build yours. Book a free call or get pre-approved today, and find out what's actually possible for you.
Free, no obligation, and a soft credit check that won't affect your score. Or call us now at (216) 232-2900.