Frequently asked questions
How much lower are wholesale mortgage rates than retail?
Typically 0.25%–0.50% lower than retail banks and lenders — which can mean tens of thousands of dollars in interest saved over the life of your loan.
How fast can DocApply close a loan?
Most purchase and refinance loans close in about 15 days, thanks to direct wholesale access and in-house document handling.
Do you charge lender or processing fees?
No. We waive lender and processing fees and include a free appraisal, so your closing costs run lower than at most banks and retail brokers.
Can I get cash out without losing my low rate?
Yes — a HELOC keeps your existing first-mortgage rate intact while unlocking equity, often within 15 days, no refinance required.
What is the deal guarantee?
Share your official Loan Estimate from any lender. We'll price-match it, then beat it — our former-banker team knows exactly how low lenders will really go.
Do you work with self-employed or credit-challenged borrowers?
Absolutely. Our Non-QM programs cover bank-statement, 1099, ITIN, and recent-credit-event scenarios, and our credit boost team can optimize your profile in about 3 business days.
What areas do you serve?
All of Arizona — see our service areas. CA and TX licensing coming soon. NMLS #2350637.
Ready for wholesale pricing?
Free appraisal, $0 lender fees, and a 15-day close. Share your Loan Estimate and we'll beat it — guaranteed.
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