Your agent and your lender working the same file.

Yes, and you'll have that in writing before you ever fill out an application. Byrne Real Estate Group and Buyer's Rate Mortgage are affiliated companies under the same ownership, and you'll receive a written affiliated business arrangement disclosure that says so. You are never required to use us, and nothing about your agent's job changes if you don't. We'd rather tell you plainly than have you wonder about it later.

Because most of what goes sideways in a purchase happens in the space between two companies. The same numbers get repeated, the same documents get chased, and something changes on one side that the other side doesn't hear about until it's a problem.

When your financing changes, your agent already knows. When the contract changes, your lender already knows. It also gives the listing agent one person to call who can actually speak to your financing... and when your offer is up against three others, that's worth real money.

It's a promise to look, not a rate quote. Bring us a bona fide loan estimate from another lender and, for qualified buyers, we'll review it and try to beat it rather than simply match it. If we can't beat it, we'll tell you that plainly and you should take the other loan. You should never have to wonder whether somebody could have done better for you.

Yes, and that's exactly what we'd want you to do. Send us the loan estimate you already have. We'll read it line by line... rate, points, lender fees, credits... and show you what we could do with the same file. No application required to get that answer.

Every Buyer's Rate Mortgage client gets a $2,500 credit toward a future refinance. It never expires, and if you never need it you can hand it to someone you care about. Rates move. This is us deciding up front that when they move in your favor, you shouldn't have to pay full freight to take advantage of it.

Then you're starting where most buyers start. A conversation is not an application, and it doesn't put a mark on your credit. We'll look at where you actually stand, tell you honestly what's possible right now, and if the answer is "not yet," you'll leave with the specific list of what would change that. Some of the buyers we're proudest of started that exact way.

Often, yes. When you own the business, your tax returns rarely tell the whole story, and traditional guidelines can make a strong borrower look weak on paper. Bank statement and Non-QM programs exist for exactly that gap. Tell us how your income actually works and we'll tell you what you qualify for.

Conventional and fixed-rate, FHA, VA, USDA, and Jumbo. Bank statement and Non-QM for self-employed borrowers. DSCR and investment property financing. Seller-paid buydowns and first-time buyer programs for lowering what you pay each month. The list matters less than the fit, and that's what the first conversation is for.