JR Ramirez
Mortgage Broker · NMLS #2374415
Six years as a federal bank regulator, then Chief Risk Officer at a community bank. JR builds the file the way the underwriter is going to read it.
Purchase · Refinance · FHA · VA
Know what you can actually afford
before you fall in love with a house.
Three minutes, no credit check, no phone tag. Answer a few questions and see the programs you fit, an estimated monthly payment, and the name of the loan officer who will call you about it.
- No hard credit pullNothing here touches your score
- A named officerNot a call center queue
- Answers in a dayUsually the same one
NMLS #2642110Licensed and verifiable
Equal Housing LenderFair Housing and ECOA
Answers inside 24 hoursUsually the same day
Independent brokerageNot one lender's rate sheet
Loan programs
Every common loan type, and the one rule that decides between them.
Which program you fit is mostly down to three things: your credit, what you have for a down payment, and how you earn. Here is the honest version of each.
Conventional
The default for most buyers with decent credit. Mortgage insurance falls away once you reach 20% equity, which FHA will not do.
From 3% down · 620+ credit See requirements→FHA
Built for thinner credit files and smaller savings. More forgiving on score and on past hiccups, at the cost of mortgage insurance that stays for the life of the loan.
3.5% down · 580+ credit See requirements→VA
If you have served, this is almost always the best deal on the table. No down payment, no monthly mortgage insurance, and rates that usually beat conventional.
0% down · no monthly MI See requirements→USDA
Zero down for homes in eligible areas, and "rural" covers far more of the map than people expect. Income caps apply and the property has to qualify, not just you.
0% down · eligible areas See requirements→Jumbo
For loan amounts above the conforming limit. Underwriting is stricter and reserves matter more, so the file is worth preparing properly before it goes anywhere.
Above the conforming limit See requirements→Bank statement
For self employed borrowers whose tax returns understate what they actually earn. Twelve or twenty four months of deposits stand in for the W-2 nobody has.
Self employed · 1099 See requirements→Investor & short sale
Qualify on the property's rent rather than your own return, or rescue a distressed deal. Priced by somebody who builds as well as brokers.
DSCR · short sales See requirements→Commercial & mixed use
Five units and up, mixed use, and small balance commercial. The building qualifies before you do, and the file goes to the lenders that actually write them.
5+ units · multifamily See requirements→Not sure which one you are? The qualifier tells you in three minutes, and it does not run a credit check to do it.
Your team
You get a person, and you get their direct line.
Every inquiry is routed to one of three named people, chosen by what you told the qualifier. Nobody here works a shared inbox, and nobody hands your file to a processor you have never spoken to.
Diego Esquivel
Mortgage Broker · NMLS #1592085
A broker who is also a developer and builds for a living, so he can see what a property is really worth and what it will really cost before a lender does.
Cole Wall
Loan Officer · NMLS #2808449
First time buyers are most of Cole's work. He will not let you sign anything you cannot explain back to him, which is the whole point.
How it works
Four steps, and you know where you stand after the first one.
Most lenders make you hand over your details before they tell you anything. We do it the other way round.
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Answer the qualifier
Five questions about what you want to do, what you have saved and roughly where your credit sits. No documents, no credit pull, about three minutes.
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See the programs you fit
You get the program names and an estimated monthly payment on the spot, before you have spoken to anybody, so you can decide whether to carry on.
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A named officer calls you
The right one for your file, with your answers already in front of them. This is where the real numbers replace the estimates and a pre-approval letter gets written.
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Close, with the same person
The officer who answered your first question is the one who is there at the end. No handoffs to a processing queue you have never met.
Start at step one
Three minutes. No credit check.
Why work with us
We are brokers, so we are not selling you one bank's shelf.
A retail lender has one product set and has to make yours fit it. We shop the file across a panel of lenders and bring you the ones that actually price well for your situation.
- IndependentWe are paid to place the loan well, not to move a particular product.
- Answers before applicationsYou find out what you qualify for before you hand over a single document.
- One officer, start to finishThe person who takes your first call is the person at your closing.
- Plain numbersRate, payment, cash to close, and what each one changes if you move the down payment.
- 0
- Typical time to a first answer
- 0
- Loan programs under one roof
- 0
- Named brokers, no call queue
- 0
- Cost to find out where you stand
Today's market
The rate everyone quotes is not the rate you get.
These are the national averages, updated every day by Mortgage News Daily. They are a useful barometer and a terrible quote. What you are actually offered moves with your credit, your down payment, the property, the program and the day you lock.
Which is the whole argument for a broker. We are not defending one lender's sheet, so we can go and find which of them is pricing your file best this week.
National averages
Updated daily
Source: Mortgage News Daily. Not a quote, an offer, or a rate lock. August Mortgage Group does not set these figures.
Payment calculator
Move one number and watch what it does to the payment.
The single most useful thing a buyer can learn early is how much a bigger down payment, or a slightly better rate, is actually worth per month. Drag it and see.
Full calculators
Estimated monthly payment
$2,214
Principal & interest $1,824
Taxes & insurance $390
Illustrative only. Taxes and insurance are estimated at 1.25% of the price a year, and mortgage insurance is included below 20% down. This is not a quote, an offer or a rate lock.
Start here
Three minutes now saves a month of guessing later.
You will know which programs you fit, roughly what the payment looks like, and the name of the person who is going to call you about it. No credit check, no obligation, no cost.
August Mortgage Group, NMLS #2642110. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval and property appraisal.