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Jason Horlacher
Managing Broker/Owner
NMLS MLO #2004048
The Broker Advantage – What We Do
Broker versus a Bank
As a broker, we do not have the massive overhead, brick and mortar costs or shareholder profits to account for which keeps our price points low. This savings is ultimately passed on to you, the consumer. We understand that many folks have been with their banks and credit unions for many years and we encourage you to request a quote from them for comparison. We are confident you will find we are much more competitive on costs.
We work with several wholesale lenders
People come from all walks of life with varying financial situations. Banks typically offer a cookie cutter one size fits all and if one leg of the chair is missing, they are unable to assist you or they make up for the risk with higher costs. Working with several lenders not only has them competing against each other for rates, but we have much more freedom in finding the right loan for your situation. Many times we are able to help folks who have been denied by a traditional bank.
Mortgages are all we do
Sorry we do not deal with credit/debit cards, car loans, or checking accounts. Banks are good for that. We deal specifically with residential mortgages which we feel gives us the edge on the wide variety of programs and promotions that are available. As your loan expert, we can explore several options with you for the most optimal fit to achieve your goals. This also provides for less red tape and higher efficiency allowing us to close your loans much faster.
We work for you
Its hard to imagine going through a home sale or purchase without an experienced real estate agent. We feel the same way about finding the financing for such an important transaction. Similar to a real estate agent, we are your loan agent. We interface with the lenders, underwriters, title teams, and all other players on your behalf. All the while being accessible and keeping you updated throughout the process from application to closing day.
Loan Programs
What People Say
“Jason was a pleasure to work with. He patiently answered a “million” questions and provided me the details to feel great about my decision to refinance. My new rate is MUCH lower than what I was paying, saving me TWO years of mortgage payments! I continue to mention the great deal I got to friends and family. Thanks again Jason!” – Sheryl C.
“Our mortgage broker, Jason Horlacher made our refinance go smooth and stress-free. He was in constant communication to help us understand and move forward with the process. My wife and I highly recommend” – Eric B.
“Jason went above and beyond with our refi. I highly recommend! I don’t have the best credit, but he was able to get us a great rate and we got cash back! Jason answered hundreds of questions and addressed all of our concerns and was very responsive and professional. I will definitely be going back to Jason for our future mortgage needs” – Jason C.”
“We worked with Jason and he did a great job. We appreciated the fact that he kept us in the loop throughout the process. Jason worked hard to get us the best rate possible. When we were signing our final docs the Notary commented “Boy you received a great rate!” It was clear that Jason was empathetic/understanding how to deal/work with seniors, which we are” – Keith L.
