Get Started — Mango Stock Mortgage

Tell us what you are trying to do and a licensed loan officer will come back to you within one business day. Most first conversations take about fifteen minutes, and nothing about them requires a credit pull or a commitment.

What happens after you send this

1. A person reads it. Not an auto-responder. A licensed loan officer looks at what you wrote and decides what questions actually matter for your situation.
2. We call or email, whichever you prefer. The first conversation is about your situation, not a product pitch — what you own, what you owe, and what you are trying to accomplish.
3. We tell you what is realistic. Including when the answer is that you should wait, or that a different product fits better, or that what you want is not available right now. That is a more useful answer than a quote you cannot use.
4. If it makes sense, we move. Pre-approvals are typically issued within one to two business days once we have your documents.

What to have handy

None of this is required to start the conversation. It just makes the second one faster.

• Your most recent mortgage statement, if you already own.
• A rough sense of the property’s value, and any improvements a prior appraisal would not reflect.
• How your income is documented — W-2, tax returns, bank statements, or the property’s own rental income. This matters more than most people expect, because a borrower declined on one route is frequently approved on another.
• Whether anything is already recorded against the property besides the first mortgage.

What we do

We are a mortgage broker, which means we are not limited to one institution’s product menu. That matters most in the cases where a bank says no for a reason that has nothing to do with your file — a property type they do not lend on, a lien position they do not offer, or an income documentation route they do not support.

• Purchase — first-time, move-up, second home and investment property.
• Refinance — including cash-out, and the honest conversation about whether your existing first mortgage is worth protecting.
• Home equity lines of credit and home equity loans — first, second and third lien position, on primary residences and on rentals.
• Investment property financing qualified on the property’s rental income rather than your personal tax returns.
• Self-employed borrowers — bank statement, profit-and-loss and asset-based qualification routes.

Where we lend

We are licensed in Colorado and California, and we work across both states — the Front Range and the Western Slope, and from the Bay Area through the Central Valley to San Diego. If your property is outside those two states we are not able to take your application, and we will tell you that immediately rather than waste your time.