Mortgage Services Designed for Clarity and Confidence
From conventional loans to VA benefits, I offer comprehensive mortgage
solutions tailored to your unique situation and financial goals.
Conventional Loans
Helping qualified buyers secure competitive rates with flexible terms.
✓ Down payments as low as 3%
✓ Competitive interest rates
✓ Flexible loan terms (15-30 years)
✓ No mortgage insurance with 20% down
FHA & VA Loans
Accessible financing options for first-time buyers, veterans, and families.
✓ Down payments as low as 3.5%
✓ More flexible credit requirements
✓ Perfect for first-time homebuyers
✓ Gift funds accepted for down payment
Refinancing Options
Lower your rate, reduce monthly payments, or access home equity confidently.
✓ No down payment required
✓ No private mortgage insurance
✓ Competitive interest rates
✓ Limited closing costs
Jumbo Loans
Financing solutions for high-value properties with personalized rate counseling.
✓ For loan amounts above conforming limits
✓ Customized underwriting
✓ Competitive rates for large loans
✓ Flexible qualification standards
Refinancing
Lower payments, reduce interest, or unlock equity to support your goals.
✓ Lower your monthly payments
✓ Reduce your interest rate
✓ Cash-out refinancing options
✓ Switch from ARM to fixed-rate
Pre-Approval Strategy
Fast, accurate pre-approvals that give you confidence and negotiation power.
✓ Same-day pre-approval available
✓ Strengthens your offer
✓ Clear budget understanding
✓ Rate lock protection
My Simple 4-Step Process
From our first conversation to closing day, I guide you through every step.
01
Initial Consultation
We discuss your goals, timeline, and financial situation to determine the best loan options.
02
Pre-Approval
Get pre-approved quickly so you know your budget and can make strong offers with confidence.
03
Loan Comparison
I present multiple loan options with transparent comparisons of rates, terms, and monthly payments.
04
Close with Confidence
I coordinate with all parties and guide you through closing, ensuring a smooth, stress-free experience.
Frequently Asked Questions
Quick answers to common questions about working with me and the mortgage process
How do I know which loan is right for me?
After our initial consultation where I learn about your financial situation, goals, and timeline, I'll present you with 2-3 loan options that best fit your needs. We'll compare rates, terms, monthly payments, and long-term costs so you can make an informed decision with confidence.
What credit score do I need?
It depends on the loan type. Conventional loans typically require 620+, FHA loans can accept scores as low as 580, and VA loans are often more flexible. If your score needs improvement, I can provide strategies to help you qualify for better rates.
How long does pre-approval take?
With complete documentation, I can often provide same-day pre-approval. The process typically takes 1-3 business days, depending on how quickly we receive your financial documents and verification from third parties.
Do you charge any upfront fees?
My initial consultations and pre-approval services are completely free. Lender fees and closing costs are only due at closing, and I'll provide a detailed breakdown of all costs before you commit to anything.
Can you help with refinancing?
Absolutely! I help homeowners refinance to lower their rates, reduce monthly payments, switch loan types, or access home equity. We'll analyze your current loan and market conditions to determine if refinancing makes financial sense for you.
Ready to Find Your Perfect Loan?
Whether you're buying your first home or refinancing, I'm here to help you move forward confidently.
Jordan Hayes
Licensed mortgage loan officer helping families secure the right financing for their long-term goals.
© 2025 Jordan Hayes — Licensed Mortgage Loan Officer. All rights reserved.