To get pre-approved, contact us to schedule a consultation. We will review your financial information, discuss your goals, and provide a pre-approval letter that outlines how much you can afford to borrow.

Mortgage brokers have access to multiple lenders, which means more choices and competitive financing options for you. We provide expert advice, transparent information, and personalized service to help you navigate the mortgage process.

The minimum credit score required depends on the type of loan. Conventional loans typically require a minimum score of 620, while FHA and VA loans may require a score of 580 or higher. We have full-service credit rescoring and credit counseling services.  Contact us to discuss your specific situation.

Down payment requirements vary by loan type. Conventional loans may require as little as 3%, while FHA loans require a minimum of 3.5%. VA and USDA loans often have no down payment requirement for eligible borrowers.  There are also down payment assistance programs and other creative options that you may want to think about. Contact us and we can share some insights with you!

At 5280lend.com, we believe this is one of the most overlooked issues in shopping for a mortgage.  Most lenders completely under-explain and under-emphasize the impact of closing costs. These costs are just as important as your interest rate is. Closing costs are fees associated with initiating and completing your real estate transaction and your mortgage financing. They include items like appraisal fees, title insurance, underwriting fees, inspection fees, and attorney fees. They typically range from 2% to 5% of your loan amount, BUT there can be a lot of flexibility with these fees too. We will provide a detailed estimate during the pre-approval process.