Lending
Personal Loan
Fixed-rate unsecured funding from $2,000 to $75,000 with no collateral required.
Overview
The largest loan of your life, arranged without the guesswork
A mortgage is the biggest financial commitment most people ever sign, and it is also the one where shoppers leave the most money on the table. A quarter of a percentage point on a $420,000 thirty-year loan is roughly seventy dollars a month and close to twenty-five thousand dollars over the term — yet most borrowers accept the first quote they receive.
We do not lend our own money, which is exactly why we are useful. With access to more than thirty lenders — large banks, wholesale specialists, credit unions and portfolio lenders who keep loans on their own books — we can find the programme that matches your file rather than forcing your file into one lender's box.
That matters most for non-standard situations: self-employed borrowers with two strong years but volatile monthly figures, buyers using gifted deposits, contractors, people with recent credit events, and anyone purchasing in a competitive Sacramento market where a slow pre-approval costs you the house.
Beyond rate shopping, we manage the parts borrowers rarely see coming. Timing the rate lock against your closing date. Reading the loan estimate line by line and negotiating lender fees and third-party charges. Advising whether buying down the rate with points is worth it given how long you plan to stay. Flagging when mortgage insurance can be cancelled.
Our pre-approvals are genuinely underwritten, not just a credit pull and a handshake. Sellers and their agents know the difference, and it makes your offer stronger.
Existing homeowners are just as well served: our annual refinance review checks whether your current rate, term or insurance structure is still the right one, and we will tell you honestly if the break-even point means staying put.
What you get
What our mortgage service covers
01
Whole-market rate shopping
One application, thirty-plus lenders, and a written comparison of rate, points, fees and monthly payment for the finalists.
Included
02
Genuine pre-approval
A fully underwritten pre-approval letter that carries real weight with sellers and estate agents in competitive markets.
Included
03
Closing-cost negotiation
We review every line of the loan estimate, challenge lender fees and shop third-party services such as title and escrow.
Included
04
Programme matching
FHA, VA, USDA, conventional, jumbo, bank-statement and non-QM options assessed against your actual circumstances.
Included
05
Refinance break-even analysis
A clear calculation of how many months it takes to recover refinancing costs before we recommend you move.
Included
06
Self-employed structuring
Bank-statement and profit-and-loss programmes for borrowers whose tax returns understate real income.
Included
Our process
How it works, step by step
01
Affordability Session
We review income, deposits, debts and goals, then set a realistic price range before you view a single property.
02
Pre-Approval
Documents are collected, underwritten and issued as a pre-approval letter — typically within three days.
03
Offer & Lock
Once your offer is accepted we lock the rate for the right window and open escrow with the chosen lender.
04
Close & Annual Review
We sit with you at closing to explain every document, then re-check your mortgage each year for savings.
Get started
Request a mortgage pre-approval
Share the basics and we will start with a free affordability session, then issue a genuinely underwritten pre-approval you can use with sellers.
- Free, no-obligation response within one business day
- Quotations use a soft enquiry that protects your credit score
- All costs disclosed in writing before you commit
- Speak to a person, not a call centre script
Prefer to talk it through?
Call +1 916-443-6340 or email info@financebluehub.com and ask for the mortgage desk.
Request your quote
Eligibility & documents
Eligibility, documents and the fine print
Who qualifies
- Credit score from 580 (FHA) or 620 (conventional)
- Stable income for at least 24 months
- Debt-to-income ratio usually below 45%
- Down payment from 3% on qualifying programmes
- US residency or eligible visa status
- Property used as primary, second or investment home
Documents needed
- Two years of W-2s or tax returns
- 30 days of recent payslips
- Two months of bank and investment statements
- Photo ID and Social Security number
- Purchase agreement once an offer is accepted
- Gift letter if part of the deposit is gifted
FAQ
Common questions
Less than most people assume. Conventional programmes start at 3% for qualified first-time buyers, FHA at 3.5%, and VA at zero for eligible service members. Below 20% usually means mortgage insurance, which we factor into the comparison.
Pre-approval in about three days, then typically thirty to forty-five days from accepted offer to closing. We build the rate lock around that timeline.
Not automatically. Standard programmes use a two-year average of taxable income, which can understate earnings. Bank-statement and profit-and-loss programmes exist precisely for this situation.
Only if you plan to stay in the home past the break-even point. We calculate that in months and show you the arithmetic before you decide.
Our advisory fee is disclosed in writing up front, and we also show you any lender-paid compensation so you can see the whole picture of who is paying whom.
Related services
Often planned together with
Lending
Credit
Credit Loan
Revolving credit lines and credit-builder lending paired with score coaching.
Investing
Wealth & Investment Planning
Goal-based portfolios, retirement income modelling and estate coordination.
Start with a free affordability session
Call +1 916-443-6340, email info@financebluehub.com or use the contact form — a specialist replies within one business day.