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About Me
I'm Rob and I'm Here to Help
You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate. I've got great news... I'm here to solve that all for you. Check out the reviews from other folks just like you that I've worked with and see how I can make the process easier.
Whether you need a mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help.
I look forward to hearing from you.
What I do?
Outstanding Communication and Follow-up
We keep you informed and return all emails and calls promptly so that you never have to wonder what is going on with your loan.
Professional Support
Count on us to be there with you and to help you navigate the entire mortgage process. We'll help you cut through the red tape and avoid the common mistakes people make.
Competitive Rates
We work with you to find the right program with a great rate and a transparent process so you can rest easy.
Close Your Loan On Time
Not all lenders can close quickly or on time. We work closely with you through the process to meet all deadlines and make sure that your loan closes on time.
What Our Clients Are Saying
Questions? We've Got Them Covered
How do I get pre-approved for a mortgage?
To get pre-approved, complete our online application by providing your financial information. We'll review your details and issue a pre-approval letter if you qualify.
What is the minimum down payment required?
The minimum down payment varies by loan type. For example, conventional loans may require as little as 3% down, while FHA loans require a minimum of 3.5%. VA and USDA loans may offer options with no down payment for eligible borrowers.
How is my mortgage interest rate determined?
Interest rates are influenced by factors such as your credit score, loan type, loan term, and current market conditions. A higher credit score and a larger down payment can often secure a more favorable rate.
What are closing costs, and how much should I expect to pay?
Closing costs include fees for the loan origination, appraisal, title search, and other related services. They typically range from 2% to 5% of the loan amount. We'll provide a detailed estimate during the application process.
Can I lock in my interest rate?
Yes, you can lock in your interest rate to protect against market fluctuations. Rate locks are typically available for a specified period, such as 30, 45, or 60 days. It's advisable to lock your rate after your offer is accepted or when refinancing.
What is private mortgage insurance (PMI), and will I need it?
PMI is insurance that protects the lender if you default on your loan. It's typically required for conventional loans with a down payment of less than 20%. Once you build sufficient equity in your home, you can request to have PMI removed.
How long does the mortgage approval process take?
The timeline can vary, but with our streamlined online process, we aim to provide a commitment letter within 24 hours of rate lock for qualified applicants. Overall, closing a mortgage can take anywhere from 30 to 45 days, depending on various factors.
See If You Qualify In Less Than 60 Seconds
Rob Nilsson II is a trusted mortgage broker with years of experience helping families secure the right home loan with confidence. Known for his transparent approach, Rob is committed to finding smart, affordable solutions tailored to each client's financial goals.
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It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly.
As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his designate, in order to take action.
All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer's Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer's meetings with our Board. We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws. For more information, contact us at the number on the Home Page.
These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners.
For information directly from HUD/FHA, visit https://www.hud.gov/guidance
For information directly from the VA, visit http://www.benefits.va.gov/HOMELOANS/
For information directly from the USDA, visit https://www.usda.gov/
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