Completing the loan application is an important part of your home financing journey. The loan application is a map for your qualification and provides the needed information for us to review and confirm your options. After our enlightenment consultation, the next step to get you closer to your goals, is to complete the loan application. You can do this online, or we can do it over the phone or in person.

who we help

first Home

Starting the homeownership journey looking to be enlightened with radical transparency, fierce advocacy, and given the opportunity to have an educated role in their home buying process.

home owners

Advancing to the next phase in their homeownership journey that desire a mortgage architect to discover options to increase their financial opportunity and grow their net worth with real estate financing.


Interested in building their portfolio by working with a lending team with a background in financing investment properties and finding solutions to complex situations.

loan types


Available to borrowers with credit scores of 620 or higher, though they are more credit score sensitive and generally work best for borrowers with credit of 660 or higher. 


Available to borrowers with credit scores of 500 or higher, though you will see more options for borrowers with scores of 580 or higher with this program. 

vA loans

Available to eligible veterans and their spouses and other beneficiaries. Flexible with minimum credit score requirements, though most lenders will require a 580 score or higher. 


Available for buyers who want to own a home in an eligible rural area. More flexible with credit score requirements, but most lenders will require a minimum score of 600 or higher.

non-conforming loans

We offer many additional loan programs which may suit your needs better. Such as Jumbo financing, bank statement loans, DSCR loans for investment properties, and more. We will review these options with you based on your specific criteria to find the best fit for you. 


Your Team

Brittany Black, Founder