Welcome to Consumer One Financial
Buying a home is one of the biggest financial decisions you’ll ever make. I’ll help you compare financing options from multiple lenders, explain the numbers in plain English, and make sure you understand every option before making a confident financial decision.
Trusted Partners
About Us
I started Consumer One Financial because I believed there was a better way to help people finance a home. I wanted to build a business focused on honest advice, competitive pricing, and helping clients understand every option before making one of the biggest financial decisions of their lives.
What You Can Expect
Buying or refinancing a home comes with a lot of decisions big and small. Here’s what you can count on from me at every one of them, start to finish.
Our Services
From your first pre-approval call to the day you sign closing documents, I’m the same person guiding every step comparing lenders, explaining your options, and making sure nothing catches you off guard.
Whether you’re buying your first home or your forever home, I’ll help you compare financing options, understand your budget, and move forward with confidence.
Thinking about refinancing? We’ll compare your current loan with today’s options to determine whether refinancing truly makes financial sense for you.
What Our Clients Say
Questions, Answered
A bank generally offers only its own loan products. As an independent mortgage broker, I compare financing options from multiple lenders so you can review more than just the interest rate. Together, we’ll compare monthly payments, closing costs, cash needed to close, mortgage insurance, and the long-term financial impact before you make a decision.
Every situation is different. Some buyers qualify with as little as 3% down, while eligible VA borrowers may qualify with no down payment. Depending on your situation, down payment assistance programs may also be available. We’ll review your options together and help determine what makes the most financial sense for your goals and budget.
Many pre-approvals can be completed the same day once I have the information I need. Just as important, I’ll take the time to explain what the numbers mean so you know exactly where you stand before you start shopping.
Not usually. In most cases, we’ll start with a soft credit pull so we can review your financing options without impacting your credit score. If you’re ready to move forward with a full pre-approval, we’ll talk through the next steps before authorizing a hard credit inquiry.
Yes. A pre-approval gives you a clearer understanding of your budget and helps strengthen your offer when you find the right home. It also gives us the opportunity to compare loan options before you’re under the pressure of a purchase contract.
Absolutely. Comparing lenders
isn’t just about finding the lowest interest rate. It’s about understanding the
total cost of the loan, including closing costs, monthly payment, mortgage
insurance, and cash needed to close. I’ll help you compare the complete picture
so you can make an informed decision.
Mortgage Calculator
Get In Touch
Tell me a bit about what you’re looking for, and I’ll walk you through your options myself no call centers, no automated runaround, just honest, straightforward answers to your questions.
