The rate that matters is your rate.
Advertised rates are based on assumptions that may not match your situation, and they can change more than once in a day. Rather than post a number that may not apply to you, Dan reviews your scenario and explains the options that may be available.
What actually determines your rate
Credit profile
Credit history and score ranges are reviewed by each lender under its own guidelines.
Loan program
Conventional, FHA, VA, USDA, and jumbo programs price differently and carry different requirements.
Loan amount and term
The size of the loan and the repayment term both influence pricing.
Down payment or equity
The loan-to-value ratio is one of the most significant pricing factors.
Property type and occupancy
Single-family, condo, multi-unit, primary, second home, and investment properties price differently.
Market conditions
Pricing moves with the bond market and can change more than once in a single day.
Rates, terms, programs, and eligibility requirements vary by lender and are subject to change without notice. Nothing on this page is a rate quote, a rate lock, or a commitment to lend.
Common questions
Why doesn't this website list mortgage rates?+
Advertised rates are built on assumptions that may not match your situation, and they change frequently. Instead of posting a number that may not apply to you, Dan reviews your actual scenario and explains the options that may be available.
What affects the rate I am offered?+
Credit profile, loan program, loan amount, down payment or equity, property type, occupancy, loan term, and market conditions at the time of lock. Guidelines and pricing vary by lender and are subject to change without notice.
Can Dan compare options from more than one lender?+
Yes. Advantage Home Loans, LLC is an independent mortgage brokerage that works with multiple wholesale lender outlets, so Dan can review available options across lenders based on your scenario.
Does requesting a review commit me to anything?+
No. A rate review is a conversation, not an application, a rate lock, or a commitment to lend.
Let's review your options together.
Start with a conversation. Dan will talk through your goals, budget, property, and timeline, then explain the loan options that may fit, what the estimated payment could look like, and what is required to move forward. No pressure. No jargon. Just clear answers from the person who will actually handle your loan.
Prefer to talk it through first? Call or text Dan directly at (248) 789-6923.