Day 0
Open the file.
Four fields and a soft pull. We send back an indicative pricing memo within the hour.
Your mortgage, shopped the way an investor would.
One application, shopped across 14+ wholesale lenders. You get the real numbers, and the same desk runs your file start to finish. No application fee. No call center. No rate marked up to pay for a branch.
Illinois licensed · NMLS #2739191
No hard credit pull to start
14+ lenders
Wholesale panel
Shopped on every file
21days
Average close
Intake to funding
$0
Application fee
The lender pays broker comp
ILlicensed
Multi-state DSCR & investor options
Subject to availability
Most people shop mortgages backwards.
They chase the headline rate, miss the points, ignore the credits, and never see total interest. The lowest rate is not always the smartest mortgage.
See how we break down every offer
How it runs
Four steps, twenty-one days, on the calendar.
Day 1
Loan Estimate in hand.
Best of fourteen wholesale offers, reduced to one written quote. Twenty-four hours from a complete file.
Day 10
Clear to close.
We work the conditions. Appraisal returns. You sign disclosures. Conditions are usually cleared inside 48 hours.
Day 21
Sign and fund.
Wire to title, sign at the table, pick up keys. File index delivered for your tax preparer the same week.
$10,662
What borrowers save, on average, over the life of the loan when they use an independent broker instead of a retail bank.
Polygon Research analysis of 5B+ HMDA loan records, 2024Same borrower, two quotes.
A retail bank can only sell what is on its own shelf. Oakberry shops your file across the wholesale panel and submits the best one. On a recent comparison that gap was $44,640 over the life of the loan.
See the side-by-sideGet pre-approved in 24 hours.
Four fields, a soft credit pull at intake, and a written Loan Estimate. No application fee at any point.
Common questions
Before you call.
How is a broker different from a bank?
A retail bank can only quote the products on its own shelf. A broker shops fourteen wholesale lenders on the same file and submits the best one to underwriting. We are paid by the lender, not by you.
Do you pull credit at the first call?
No. We start with a soft credit pull only after you authorize it. The first conversation is twenty minutes, no commitment, no application.
What does this cost?
Zero. No application fee, no processing fee, no underwriting fee. The lender pays the broker compensation at closing as a percentage of the loan, and that compensation is disclosed in writing on every Loan Estimate.
Is there help with the down payment?
In Illinois, yes. The Illinois Housing Development Authority runs four assistance programs paying between $6,000 and $15,000 toward a down payment, and most of them require a 640 credit score and first-time buyer status, which means you have not owned a home in three years. Which one is worth taking depends on how long you plan to keep the house. We break all four down on our down payment assistance page.
I am self-employed. Is this harder?
It can be at a retail bank. As a broker we can take the same return to fourteen different underwriting teams, and one of them will read it correctly. We do this every week.
Do you do DSCR loans?
Yes. DSCR loans qualify on the property's rental income, not on your personal DTI or tax returns. We work with multiple DSCR-focused wholesale investors and shop the file across the panel. Typical lock at 1.0 DSCR, 75% LTV, 30-year fixed. Run your numbers first on the DSCR calculator.
What's the difference between a conventional investment loan and DSCR?
Conventional uses your W-2 and tax returns to qualify and caps at ten financed properties. DSCR uses the property's projected rental income, has no DTI requirement, and has no financed-property cap with most investors. If you're past four financed properties or your W-2 income is inconsistent, DSCR is usually the smarter play.
Can I lock my rate while I shop?
Yes. Lock periods range from fifteen to ninety days depending on the program. Locking before you have a property under contract is unusual but possible.
Where do you operate?
Illinois licensed, with an office in Rockford, IL. DSCR and investor options are available in multiple states, subject to availability. Most files run remotely, so we can serve clients nationally, with a single closing at a title company near the property.
Service area
Based in Rockford. Licensed in Illinois.
Rockford
Loves Park
Machesney Park
Belvidere
Roscoe
Rockton
South Beloit
Cherry Valley
Poplar Grove
Winnebago
Pecatonica
Caledonia
Our home base is Rockford and the surrounding Winnebago and Boone County towns. Home loans are originated in Illinois, where we hold our license. Investment property financing, including DSCR, is business purpose lending and is available in a number of additional states, subject to availability and to the rules of the state the property sits in. Ask us about a specific state before you count on it. Most files run remotely, with a single closing at a title company near the property.