Yes! The Boost Plus Program isn’t just for first-time buyers — secondary homeowners and real estate investors can use it too. Just remember: you must make your payments on time for 60 months (five years) to keep the 3.5% grant — miss a payment, and you’ll have to pay it back.

Right now, we’re proudly licensed in Arizona (AZ) — with California (CA) and Texas (TX) coming soon! We’re expanding to help even more homeowners and investors save big.

We left big banks because we saw how limited and rigid they were — one set of rates, one offer, and lots of hidden fees. As brokers, we have the freedom to make multiple lenders compete for you. That means better rates, waived fees, free appraisals, and smarter deals you won’t get sitting at a single bank branch. Now, we use our insider knowledge to beat the system we helped build — all to put more money back in your pocket.

Absolutely. We analyze your credit down to the penny, eliminating the guesswork. Our process pinpoints exactly what to pay, adjust, or dispute so you qualify for the best rate possible — fast and stress-free.

Great question! We know how banks work because we used to be bankers — now, with two NMLS licenses, we use that insider knowledge to make top lenders compete for you. 🔑 Big banks and brokers spend huge budgets on marketing and commercial ads instead of lowering your rate — we don’t. We focus on your deal, not TV commercials. That’s how you get free appraisals, waived lender and processing fees, and smarter pricing that beats 99.9% of the big guys.

It depends on your situation! ✅ If you’ve already saved and want the lowest possible rate, using your own 3.5% down may make more sense. But if you’re a single mom, first-time buyer, or want to keep your savings as a nest egg, the Boost Plus Grant can help you get in the door with less upfront. Just remember — you’ll need to make your payments on time for 60 months (five years) to keep the grant. Miss a payment, and you’ll need to pay it back.

A wholesale mortgage broker shops multiple wholesale lenders to find the best rates and terms, while a retail lender offers only its own products. Wholesale rates are usually 0.25%–0.50% lower due to lower overhead, with broader program access, free appraisals, waived fees, and faster closings—15 days for refinances and 30 days for purchases—compared to retail lenders’ higher costs, limited options, and longer timelines.

Wholesale mortgage brokers work with multiple lenders and operate without the high overhead costs of retail banks. Because they do not pay for expensive branch networks, national advertising, or large staff payrolls, wholesale lenders can offer rates that are typically 0.25%–0.50% lower than retail rates. These savings are passed directly to the borrower.

No. In fact, you’ll likely pay less. Most of our loans include a free appraisal and waived lender and processing fees. Because wholesale lenders don’t carry the overhead of retail banks, we can pass those savings directly to you.

A 2/1 buydown is a program that lowers your mortgage interest rate by 2% in the first year and 1% in the second year before it returns to your full note rate in year three. The difference in payments is prepaid—often by the seller, builder, or with special lender incentives—so you save significantly during the first two years. This is especially helpful for buyers who want lower initial payments while they adjust to homeownership or expect their income to rise in the near future.