Loan programs
See all 16 programsSix purchase programs, each underwritten in our Center City office rather than sold to an out-of-state desk.
Rate and term, cash-out, or a streamline that skips the appraisal. We run the break-even before you apply.
Second-lien options that leave a low first mortgage rate untouched.
Qualified on the property, not your tax returns. The reason most of our repeat clients came to us.
Tools and rates
See every toolFive working calculators. Every figure recomputes as you type, including the full amortization schedule.
Sample pricing, the points grid with break-even months, and a line-item closing cost sheet.
Who underwrites your file, where we are licensed, and what clients said afterwards.
NMLS #XXXXXXX · Licensed in PA, NJ, DE, MD · Equal Housing Opportunity
Four articles
No listicles and no market predictions. Four pieces that show the working on the questions that actually change what a mortgage costs you.
One point on a $400,000 loan costs $4,000 and saves $64 a month. That is 62 months to recover. Here is the whole calculation, including the case for taking a lender credit instead.
Read it
Rent divided by PITIA. That single ratio decides the approval, the price tier and the down payment. Here is how it behaves on real West Philadelphia numbers.
One is the month you may request cancellation. The other is the month it must terminate automatically. On a typical Philadelphia file they are roughly fourteen months apart.
A lock is a contract with an expiry date and a worst-case clause. Understanding all three parts is worth more than a quarter point of negotiation.
Every line on a $400,000 Philadelphia purchase.
The 80% and 78% dates, and the faster appraisal route.
Lock pricing, extensions and worst-case repricing.
Amortization, DTI, refinance, rent versus buy, DSCR.
Bring the figures you landed on and we will tell you whether they survive an underwriter.
No application fee. Soft credit pull at pre-qualification. Flat $1,095 origination at closing.
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