Boutique Mortgage Service. Big Lending Options.
Personal service, direct access, and more ways to finance your buyers, investors, and complex transactions.
Practical tools for your buyers, listings, and open houses.
Mortgage Calculators
Use payment, affordability, closing-cost, refinance, and short-term-rental ROI calculators.
Use the CalculatorsCo-Branded Mortgage Link
Create a personalized mortgage link to share with your customers.
Request Your LinkOpen House Financing Flyer
Email us to request a property-specific flyer with estimated payment examples, closing-cost information, financing options, and a buyer QR code.
Complex Financing Review
Have a difficult buyer, investor, income, credit, or property scenario? Email us before assuming the transaction cannot be financed.
A direct lender generally offers its own products, pricing, and underwriting guidelines. FHL Mortgages can shop multiple wholesale lenders and programs while remaining the main point of contact throughout the transaction.
FHL Mortgages
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Direct access to Gemma and FrancineYou work directly with your mortgage broker and processing manager from application through closing.
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No call centerYou and your buyer know who has the file and who to contact when questions arise.
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We shop wholesale lendersOne application can provide access to multiple lenders, programs, and structures.
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Multiple financing programsTraditional mortgages, investor products, self-employed programs, and specialty options.
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Outside-the-box financingWe evaluate the full scenario instead of forcing every borrower into one lender's box.
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We fight to get the loan closedWhen issues arise, we work through available lender and program options.
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VIP treatment for your customersYour buyers receive attentive, relationship-based service throughout the transaction.
Typical Direct Lender
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Buyers may be passed aroundDifferent departments and representatives may handle different parts of the file.
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It may be unclear who to callToo many hands in the transaction can make communication more difficult.
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Limited to that lender's productsThe buyer generally receives access only to that lender's product menu.
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Set lender guidelinesIf the borrower does not fit that lender's guidelines, the file may be denied.
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Set pricing for each programThe buyer is limited to the rates and terms available from that single lender.
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Less flexibility for complex filesUnusual income, investment properties, and nontraditional scenarios may be harder to place.
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Less personal involvementBuyers may feel like another file rather than valued customers receiving VIP treatment.
Your buyer does not have to shop lender after lender.
Instead of completing separate applications with several banks or mortgage companies, your buyer can work with FHL Mortgages while we research suitable wholesale lender options.
One application. Multiple possibilities.
We review the buyer's income, credit, down payment, property type, and goals, then determine which available lender and loan program may provide the best fit.
Gemma and Francine remain the primary contacts, so your buyer receives broader lender access without losing the personal service of a boutique mortgage company.
A traditional mortgage FICO score is not always the only option.
Some participating lenders and eligible mortgage programs can use VantageScore 4.0. This can create another path for buyers whose credit profile is evaluated differently under the two scoring models.
VantageScore 4.0
- Another mortgage score optionMay provide an additional way to evaluate an eligible borrower's credit profile.
- Newer scoring methodologyUses a different model and can produce a different result from traditional mortgage FICO scoring.
- May help some limited-credit borrowersCan score some consumers with a shorter or thinner credit history.
- May consider qualifying alternative dataCertain rental, utility, or telecommunications information may be considered when present in the credit data.
- Available through participating lendersWe can check whether an eligible lender and program accepts VantageScore 4.0.
Traditional Mortgage FICO
- Long-established mortgage scoringTraditional mortgage lending has historically relied on older FICO scoring models.
- May differ from consumer-app scoresThe score seen through a bank or credit app may not match the mortgage score used by a lender.
- Different model, different resultThe same credit report information may produce a different score under FICO and VantageScore.
- Still required by many programsMany lenders and products continue to require qualifying FICO scores.
- One score should not end the conversationA buyer who does not qualify under one method may have another financing path.
The score your buyer sees online may not be the score used for their mortgage.
Before assuming a buyer cannot qualify, allow us to review the complete credit profile and determine whether a traditional FICO-based program, a VantageScore option, or a specialty loan program may be appropriate.
Credit-score model availability varies by lender, loan program, borrower, and property eligibility. A different scoring model does not guarantee approval, a higher score, or improved terms.
Options for investors, self-employed borrowers, and complex transactions.
We evaluate the complete scenario and look for the lender and program designed for it.
Select the calculator you need.
The large options below make it easy to switch between payment, affordability, closing costs, refinance, and STR ROI calculations.
Purchase & Financing
Revenue & Operations
For preliminary planning only. Actual STR performance depends on seasonality, local rules, taxes, insurance, management, maintenance, financing, and property-specific factors.
Have a buyer with a complex file—or a lender that has already said no?
Do not assume the transaction is over. A different wholesale lender, program, or financing structure may provide another path. If it can be done, we will work to find the solution and fight to get the loan closed.
Email UsCo-Marketing Notice: Co-branded advertising, customized mortgage links, financing flyers, sign riders, and other promotional materials may require documented cost sharing based on fair market value. Participation is not conditioned on referrals or referral volume.
Loan programs, rates, lender credits, assistance programs, buydowns, and terms are subject to borrower and property eligibility, underwriting, investor requirements, and change without notice. This page is informational and is not a commitment to lend.
Calculator results are estimates and do not include every cost or requirement. Actual terms depend on the selected program, lender, property, borrower qualifications, and transaction details.