Justin Hales at Interest Smart Home Loans

More loan options, more flexibility on requirements, and faster service. Why limit yourself to what the bank can offer? Brokers (like us) are better!

In most cities, if you plan to stay in place for at least two years, it makes more financial sense to buy rather than rent. Give me a ring and I'll help you crunch the numbers to see if the time to buy for you is now!

Don't bust your homebuying bracket by settling for a retail lender or big bank. Choose a team of mortgage experts willing to work tirelessly to bring home the very best loan for your situation and needs! Call me today!

Closing costs are expenses above the purchase price of your new home, such as attorney fees, taxes or insurance. Most home buyers can expect closing costs to run 2-5% of the purchase price of their new home all of which will need to be paid by you at the time of closing. Call me to estimate the closing costs for your dream home!

Maybe you can afford that home! Call me to see if you can qualify for lower down payment programs designed for individuals like educators, public service workers and veterans.

With an ARM, you can keep your rate fixed for up to ten years, making fully amortized payments minimum.

Low interest rates, fast closings and no down payment for most veterans. Call me today for more details!

Applying for a mortgage has never been so survivable. Skip the stress and do it all online from the comfort of your favorite cozy space I’ll take it from there!

No printed pay stubs, tax returns or bank statements. When you work with us, we'll electronically verify your documents so you don't have to track them down!

Reduce your energy & maintenance costs by planting deciduous trees on the western and eastern side of your house. Their shade will cool your home during the hot summer while allowing sunlight to heat up your home in the winter. Plus, mature trees can increase your property value!

See how I could help you save more money than your builder's lender. Call me today and let's talk about the dream home you're building.

We won't rest until we find you the best mortgage with the lowest rate and the best terms for your unique home and your unique situation. Let us go to work for you!

Ready to start on that home renovation? Call me about our refinance options to save you more money!

Want to move in before April showers become May flowers? No problem! We close most loans 15 days or less! DM me to get started!