Use the secure form below to reach our team. We serve homebuyers and homeowners in 49 states (except New York). No office visit needed.
We’re a hybrid lender and broker on the PRMG platform. That means more paths to approval, creative file structuring within agency rules, no VA overlays, and access to in-house non-agency options when needed.
Send a Secure Message
No phone number required. Tell us about your scenario and we’ll reply using your preferred method.
Prefer to get started? Start Here
Why Contact Us
- No VA overlays. We follow VA guidance and help with tough files other lenders won’t touch.
- Many loan options. VA, FHA, Conventional, USDA, Jumbo, Non-QM (flexible rules), and second-lien options like the Lightning Equity Hybrid HELOC.
- Plain language. We keep steps simple and tell you what matters and why.
If you were told “no,” it may just mean “not structured right yet.” Share your scenario and we’ll map a better path.
What Happens Next
- We review your note. A licensed team member looks at goals, timing, and any hurdles.
- We outline options. You’ll get simple next steps and, if helpful, a document checklist.
- We keep you updated. Expect clear communication from pre-qual through closing.
What to Include
- Buying or refinancing
- Estimated price or loan amount
- Credit range (we work with lower scores and thin files)
- Any recent items like late payments, collections, BK, short sale, or foreclosure
- Your timeline to move forward
Don’t have everything? That’s fine. Send what you have and we’ll guide you.
Your Privacy
Your message is sent securely. We only request documents when needed and explain how each item helps your approval.
Contact FAQs
Do you serve my state?
We serve 49 states, excluding New York.
Do I have to share a phone or email here?
No. Use the secure form to start. We’ll reply using your preferred method after you submit.
Will you pull my credit right away?
No. We start with your goals and details first. If a credit pull helps your approval path, we’ll explain why and ask before we do it.
Can you help with low credit or recent lates?
Often, yes. For VA loans, we follow agency guidance with no overlays and can consider re-established history and context.
I’m a Realtor. Can I use this form?
Yes. Tell us about your client, timeline, and any contract details. We’ll follow up quickly.
What happens after I submit?
You’ll get clear next steps from a licensed team member and a simple plan for moving forward.
What are you looking to do?
Takes about a minute. No credit pull.