Start the file. Nothing is pulled until you say so.

Five short steps. It takes about four minutes and it gives an originator enough to shop your scenario across the panel properly rather than guessing.

Time: About 4 minutes
Credit pull: Only with your say-so
Comparison: Next morning, in writing

Step 1 of 5

What are we doing?

Buying a homeFirst time, moving up or relocatingRefinancingRate and term on a loan you already haveCash-out refinanceBorrowing against equity you have builtInvestment propertyDSCR or conventional on a rental

The property

Property type

Please choose a property type.

Occupancy

Please choose an occupancy.

Area

Please choose an area.

Timeline

Please choose a timeline.

Price or current balance ($)

An estimate is fine, but please enter a number.

Property address (optional)

How you are paid

Employment type

Please choose how you are paid.

Years in this line of work

Please choose a range.

Gross monthly income ($)

Please enter your gross monthly income.

Monthly debt payments ($)

Please enter a figure, even if it is zero.

Other income we should count? (optional)

Credit and funds

Best guess at your mid-FICO

A guess is fine, but please pick one.

Funds available ($)

Please enter a figure, even if it is zero.

Source of funds

Please choose a source.

VA eligibility

Please choose one.

How we reach you

Full name

Please enter your name.

Please enter a valid email address.

Phone

Please enter a phone number.

Best way to reach you

Please choose one.

Anything unusual about the file? (optional)

I would like The Garza Mortgage Team to contact me about this application. I understand no credit report will be pulled until I give separate permission. Required.Please tick the box so we can reply.

Demo form. Nothing is transmitted or stored and no credit report is requested. Every rate, payment and fee shown anywhere on this site is a sample figure. Equal Housing Opportunity.

Received. Here is exactly what happens now.

Within one business hour. An originator calls or texts, whichever you picked.
Same day. A secure document link with the checklist for how you are paid, not a generic list.
Next morning. The same scenario priced with three to five wholesale lenders, on one page.
Only then. We ask permission to pull credit, and we tell you what we expect it to show first.

In a hurry? Call (505) 555-0135 and ask for whoever is not on a closing call.

Start the file. Nothing is pulled until you say so.

Application

Received. Here is exactly what happens now.