Buy with confidence

Fast-Track Your Future

Rapid Approvals, Lower Rates.

Apply Now

MORTGAGE CALCULATOR

Check Out Our New Tool

finance

Mortgage Calculator

Estimate your monthly payment and see how much house you can afford.

$
Your estimated monthly payment
$
%
$
Yr
Mo
%
%
$
Monthly
Bi-weekly

+ Add Extra Payments

$
$
$
$
[-] Remove extra payments

Payment Breakdown

Customize your mortgage payment

Principal & Interest
Monthly Extra Payment + Add Extra Payments
Home insurance (per year)
%
$
Property Taxes (per year)
%
$
HOA Fees (per month)
$
PMI (per year)
%
$
Total Monthly Payment

Total Of All Payments

Down Payment & One-time Expenses
Principal
Interest
Extra Payments
Home insurance
Property taxes
HOA fees
PMI (not required)

Amortization Schedule

Mortgage Payoff Date:

Payment breakdown as of

Remaining Balance
Principal
Interest

What our customers say

"Best decision i made"
"WANTING TO OWN YOUR OWN; GO SEE PHILLIP!!! RECOMMEND 10 OUT 10; HANDS DOWN ONE OF THE BEST!!! IN MY Read MoreRead Less
"I couldn't of done this without Phillip. He is very kind and amazing to work with! I cant thank him Read MoreRead Less
"Phillip was phenomenal to work with. This was my first time purchasing a home and he made me feel coRead MoreRead Less
"Phillip was great to work with. He kept constant communication with us every step of the way with ouRead MoreRead Less

Our Process

HOME PURCHASING MADE SIMPLE

STEP 1

CLARIFY YOUR GOALS & BUDGET

Understanding your financial picture is the foundation of a confident home search. We’ll help you outline your budget, review key financial considerations, and prepare for a down payment that aligns with your long-term goals.

Learn More

STEP 3

PARTNER WITH A TRUSTED AGENT

With your budget in place, it’s time to explore the market. A knowledgeable real estate agent will guide you through available homes, help evaluate options, and prepare a strong offer once you find the right fit.

Learn More

STEP 2

GET PRE-APPROVED WITH CONFIDENCE

Pre-approval strengthens your buying power and shows sellers you’re a serious buyer. We provide a clear, streamlined pre-approval process designed to give you competitive options and financial clarity from day one.

Learn More

STEP 4

CLOSE WITH EASE

After your offer is accepted, we move into the final steps—appraisal, underwriting review, and documentation. We keep communication open at every stage to ensure a smooth, stress-free closing experience. Then it’s time to get the keys and celebrate your new home.

Learn More

Our Loan Options

Find the perfect loan for you

Navigating loan programs doesn’t have to feel overwhelming. We’re here to help you understand your options and identify the mortgage solution that best aligns with your financial goals, lifestyle, and long-term vision.

flag (3)

ACTIVE DUTY & VETERANS

Honorably serving or have served? You may qualify for powerful VA loan benefits—including competitive rates, no required down payment, and flexible guidelines designed to support those who have given so much.

Learn More

family

First Time Homebuyer

Starting your homeownership journey is exciting, and we’re here to make it smooth and stress-free. Our technology and hands-on support help you understand every step while unlocking loan options tailored to new buyers.

Learn More

manage

USDA RURAL HOME LOANS

USDA loans offer affordable pathways to homeownership in eligible rural and suburban areas with features like low interest rates and no down payment requirement. We’ll help you explore eligibility and make the most of this government-backed program.

Learn More

family (1)

Homeowner Looking For Cash

Whether you’re planning renovations, consolidating debt, or simply improving financial flexibility, equity-based solutions can help you access cash while protecting your long-term goals. We’ll guide you through your best available options.

Learn More

mortgage 1 (1)

MORTGAGE SOLUTIONS

Explore a wide range of home loan programs designed to support your goals—whether you're purchasing, refinancing, or investing. We’ll help you understand your options and choose the path that best fits your financial strategy.

Read More
mortgage 1 (1)

OUR COMMITMENT

We believe home financing should empower you. Our mission is to provide transparent guidance, dependable expertise, and a smooth lending experience that supports your stability, growth, and long-term success.

Read More
mortgage 1 (1)

TOOLS & RESOURCES

From calculators to educational guides, our tools make planning easier. Access helpful resources that bring clarity to your numbers and confidence to every decision you make along the way.

Read More

Find A Mortgage Officer


Phillip Hankins

Phillip Hankins

 
Lance Ridley

Lance Ridley

 
Darren McAusland

Darren McAusland

 
Brittany Russell

Brittany Russell

NMLS 2161783

What is your interest?

Popular topics

Stay informed with helpful insights designed to support you at every stage of the homeownership journey. Whether you're comparing loan programs, preparing to buy your first home, or exploring refinancing opportunities, our guides make complex topics easy to understand and simple to navigate.

“Phillip was phenomenal to work with. This was my first time purchasing a home and he made me feel comfortable and provided great communication every step of the way.”

Danielle Simmons