Buy a home
First home, next home, or a relocation — get a clear budget, a strong preapproval, and a guide for every step in between.
Plan my purchaseIndependent Mortgage Brokerage · NMLS #1856457
A mortgage plan built around what matters most.
Buying, refinancing, investing, or just starting to wonder — Mortgage Matters helps you compare real options from 50+ lenders and make a confident decision, with one licensed advisor beside you from first question to closing day.
Already own a home? Review your refinance options.
- Independent — we work for you
- 50+ lenders compared
- Licensed in 6 states
22+Years in mortgage lending
4,800+Families served
$1.2B+In home loans funded
50+Lenders compared for you
4.9★Google review rating
Where would you like to start?
Tell us what you’re working toward
Every good mortgage starts with a goal, not a rate sheet. Pick the path that sounds most like you — or talk it through with a person.
Refinance a mortgage
Lower the payment, drop mortgage insurance, consolidate debt, or shorten your term — see whether your current loan deserves a second opinion.
See if it makes senseAccess home equity
Renovations, tuition, or consolidating higher-interest debt — put the value you’ve built to work without losing sight of the payment.
Explore equity optionsInvest in real estate
Financing for rental properties and portfolios — including options that qualify on the property’s income, not just your tax returns.
See investor loansExplore loan options
Conventional, FHA, VA, jumbo, bank statement, down payment assistance, and more — see what each program is actually for, in plain English.
Compare programsSpeak with a professional
Not sure which door is yours? A licensed loan officer will listen first and explain your options — no pressure, no obligation.
Start a conversationWhy Mortgage Matters
Advice first. Loans second.
A bank or online lender can only sell you its own menu. As an independent brokerage, we shop the market for you — and tell you plainly when waiting is the smarter move.
A big lender
Mortgage Matters
Loan options
One in-house menu
50+ lenders competing for you
Who your advisor works for
The lender
You — we only win if you do
Guidance
A call center and a queue
One licensed advisor, start to close
Recommendations
What fits their products
What fits your life — even if it’s “wait”
Communication
Business hours and ticket numbers
A person who returns every call
We’re a family company built on faith. To us, that means simple things done consistently: tell the truth, return every call, and treat your home like our own.
Loan programs
Loan programs for real life
There’s no one right mortgage — there’s the right mortgage for your situation. These are the programs we compare most often.
Conventional loans
The workhorse of home financing — flexible terms, competitive pricing, and down payments from 3% for qualified buyers.
FHA loans
Friendlier credit requirements and down payments from 3.5% — a common first step into homeownership.
VA loans
For eligible veterans, service members, and surviving spouses — up to 100% financing and no monthly mortgage insurance.
Jumbo loans
Financing above conforming limits for higher-value homes, with structures tailored to complex financial pictures.
Investor & bank statement
DSCR and bank-statement programs that qualify on rental income or real cash flow — built for investors and the self-employed.
Down payment assistance
Programs that can help qualified buyers cover part of the down payment or closing costs — worth checking before you assume you can’t.
Program availability, qualification requirements, rates, and terms vary by lender, state, and borrower profile, and are subject to change. Not every borrower will qualify for every program. Your loan officer will confirm what applies to you.
How it works
Four steps, one steady guide
No jargon, no surprises, no wondering what happens next. Here’s the whole journey at a glance.
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Tell us about your goals
A short conversation about what you’re working toward — buying, refinancing, or exploring. No credit pull, no commitment.
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Review personalized options
Your advisor compares live offers from 50+ lenders and walks you through the finalists side by side — payments, costs, and trade-offs in writing.
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Complete your application
A guided, secure application with a short document checklist. Modern tools handle the paperwork; your advisor handles the questions.
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Move confidently toward closing
We coordinate with your agent, the title company, and the lender — and keep you updated at every milestone until the keys are yours.
Start My Mortgage Plan
Free conversation · No obligation · No credit impact to start
Refinance
Could your current mortgage be working harder for you?
Rates move, home values change, and the loan that fit five years ago may not fit today. A refinance review looks at what you have and tells you — in writing — whether a change actually helps.
- Lower your monthly payment
- Reduce your interest rate
- Remove mortgage insurance
- Consolidate higher-interest debt
- Access your home’s equity
- Shorten your loan term
You’ll be taken to our dedicated refinance website.
★★★★★“David and his team are top notch… From the very beginning, they were professional, responsive, and dedicated to helping me get approved and into a home. They made what can be a stressful process feel smooth and manageable, always taking the time to explain each step and answer any questions I had.”
★★★★★“Working with David Mendez and Kaitlin Cruz at Mortgage Matters was truly a blessing… they worked quickly and efficiently to help us close in record time and they even showed up for us on closing day, which meant so much. Their professionalism, communication, and genuine care for their clients are unmatched.”
★★★★★“I can’t say enough about how amazing my lender, Ana, was throughout my home-buying journey. She went above and beyond both personally and professionally, making me feel heard and supported every step of the way. Thanks to her dedication and guidance, I was able to secure my home, and I couldn’t be more grateful.”
Real people, on your side
You’ll work with a person you can name
No 800 numbers, no starting over with a stranger every call. One licensed loan officer owns your file from the first conversation to closing day.
Learn before you borrow
Helpful answers, free to keep
Plain-English guides to the questions we hear most — no email address required.
First-time buyer’s roadmap
Preapproval, house hunting, offers, and closing — the whole journey in one honest overview.
Read the guideWhat closing costs really include
Every fee on the page, explained — and which ones are negotiable.
See the breakdownGetting credit-ready
What lenders actually look at, and the moves that help (or quietly hurt) before you apply.
Get preparedGet started
Let’s build the right mortgage plan for you.
Tell us what you’re working toward, and a Mortgage Matters professional will help you understand your options and next steps — plainly, and without pressure.
- Independent mortgage brokerage
- Licensed in 6 states
- NMLS #1856457
- No-pressure conversations