Skip the bank.Get the rate they don't want you to see.
Founder & Loan Officer at F5 Mortgage. I shop 30+ wholesale lenders on every file so you get the real lowest rate, plus a process that doesn't make you want to throw your phone.
Get a personalized rate quote.
No SSN, no hard credit pull. Tell me a bit about your scenario and I'll come back with real numbers from 30+ wholesale lenders within the same business day.
- 1Quote within 1 business dayRyan shops your scenario across 30+ wholesale lenders and sends you the lowest rate that fits.
- 2Side-by-side comparisonIf you already have a Loan Estimate, send it over and I'll show you exactly where you can do better.
- 3Apply when readyFive-minute application with credit authorization built in. Lock and disclose the same day.
Every loan type. One loan officer.
F5 is a true mortgage broker, which means I have access to every program every lender offers. No square-peg-round-hole. Tell me your situation; I'll find the program that fits.
Best for 680+ credit. Most flexible, lowest PMI when you put down 20%.
First-time buyer friendly. 580+ credit. Forgiving on credit history.
Veterans, active duty, surviving spouses. No PMI. Lowest rates in the market.
High-balance loans for luxury and high-cost markets. Portfolio products available.
Lower your rate, pull equity, or shorten your term. Streamline options for FHA & VA.
Tap equity without touching your first mortgage. Fixed and variable options.
Self-employed? We qualify on deposits, not tax returns. P&L only also available.
Qualify the property, not your W-2. Built for rental portfolios and BRRRR.
From application to keys, in four steps.
No 17-call shuffle, no "we're waiting on something." I run a tight process so you always know what's next.
Fast online application. Credit check authorization is built in.
Live quotes from 30+ wholesale lenders. You see real numbers, not bait rates.
We lock your rate and send disclosures via Pylon for instant e-sign.
Most files clear-to-close in 3 weeks. Some in 14 days. We move fast.
A loan officer who actually picks up.
I founded F5 Mortgage to build the kind of mortgage company I'd want to use as a borrower. That means real wholesale pricing from 30+ lenders, a process that doesn't drag, and an LO who answers the phone when you call.
I've closed loans across 10 states, from first-time buyers putting 3% down on a starter home, to investors stacking DSCR rentals, to multi-million dollar jumbo refis. If it's a mortgage, I've done it.
And because F5 is a broker, my pricing is structurally lower than the big banks. The wholesale channel gives me access to rates retail simply can't match.
What clients say.
“One of the best decisions I made while buying my first home. The entire mortgage process felt manageable. I had a lot of questions and uncertainties and every single one got answered.”
“Amazing throughout my loan process. Everything was clear, smooth, and stress-free. I'm truly grateful for the hard work and support. Highly recommend!”
“Exactly what I was looking for. I didn't know where to start and they made me feel comfortable. Buying a home can be stressful, but they took some of that weight off of me.”
Let's get your loanto the closing table.
Five minutes to apply. Same-day quote. Zero pressure. If we're a fit, great. If not, you'll walk away knowing the real market.