★★★★★ 4.8 Google Reviews   |   ✓ Direct Lender Since 1998   |   ✓ No Upfront Fees   |   ✓ 48-Hour Approvals   |   ✓ All Credit Welcome
Direct Lender Since 1998 • 45 States • 877-895-3634

5 Minutes. Real Numbers.
No SSN. No Phone Call.

Most of our business is repeat customers. That’s 30 years of proof that our terms and service are better — not just competitive. Fill out one PDF and we’ll send you the actual program, LTV, rate & terms in writing, same day.

🔒 No SSN Required No Credit Pull No Phone Call ⚡ Same-Day Response 📄 Written LOI Direct Lender Since 1998 Mostly Repeat Customers
Let's Cut to the Chase, Shall We?
How would you like to proceed?
📄 Download Executive Summary Fill it out · Email it back · Get a written quote same-day · No credit pull ⏱ 3 minutes 📋 Ready for Exact Locked Terms? Download all 3 full applications · Hard Money, Stated Income, or 30-Yr Fixed ⏱ 15 minutes 📞 Talk to an Experienced Loan Officer Right now · 877-895-3634 · Mon–Thu 9–5 · Fri 9–12 CT ⏱ 5 minutes
No SSN • No upfront fees • No obligation either way

🔒 No Social Security Number Required

We use your 3 self-reported credit scores — no SSN, no credit pull, no hard inquiry.

1
Download the Executive Summary
One fillable PDF. Takes about 5 minutes. No accountant needed.
Includes fields for your 3 most recent credit scores (Equifax, TransUnion, Experian) — we use your scores, so there's no credit pull, no SSN required, and no hard inquiry on your report.
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2
Email It Back to Us
Send the completed PDF to application@proton.me
🔒 Fully encrypted email (Proton Mail) — your information is private and secure. You are not sending your Social Security number.
That's it. No long application, no tax returns required for most programs, no gathering docs yet. Just the one-page summary and your credit scores.
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3
We Issue a Written Quote
Usually same day. You get the real numbers in writing.
Your quote includes:
Program type • Loan-to-Value (LTV) • Interest rate • Term • Estimated closing costs • What we need to close
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4
Shop It — We've Been Winning That Comparison Since 1998
Take our quote to any bank, broker, or hard money lender and compare it.
Most of our business is repeat customers. They came back because we were better on terms and service — not just once, but every time. We're a direct lender AND a broker. If we can't beat a competitor's rate in-house, we'll place and close it through our network. You get the best deal either way.
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5
Letter of Intent → Close
If our terms win, we issue a formal LOI and start the process.
LOI includes: all terms in writing, what's needed to close, timeline. No obligation until you sign. Most closings in 10–30 days.

Ready to Get Your Quote?

Download the Executive Summary, fill it out in 5 minutes, and email it back. We'll respond same day with real numbers.

📤 Download Executive Summary (PDF) ✉ Email to application@proton.me
No credit pull No upfront fees No obligation Direct lender since 1998
Prefer to talk? Call 877-895-3634
Mon–Thu 9–5 · Fri 9–12 CT • No upfront fees • All credit welcome