Case Studies

Real clients, real numbers

A few of the engagements we're proudest of — with the outcomes, in dollars and days, that mattered to the families involved.

From Renter to Homeowner in 74 Days — Young professional couple, Tampa
First-Time Homebuyer

From Renter to Homeowner in 74 Days

Young professional couple, Tampa

A couple with solid income but thin savings wanted to stop renting. We mapped a down-payment assistance program onto a conventional 97% loan, fixed their credit utilization, and got them pre-approved in 48 hours.

48 hours

Pre-approval

3%

Total down payment

74 days

Closing

Outcome: Closed on a $312,000 townhome with only 3% down, a 6.1% rate, and $9,500 in seller concessions negotiated through our checklist.

VA Cash-Out Refinance for a Veteran Family — Retired veteran, Jacksonville
VA Loan / Refinance

VA Cash-Out Refinance for a Veteran Family

Retired veteran, Jacksonville

A veteran needed $60,000 for a home addition and was being quoted 8.2% on a personal loan. We structured a VA cash-out refinance at a fraction of the cost.

5.9%

Rate achieved

$60K

Equity accessed

-2.3%

vs. personal loan

Outcome: Completed a VA IRRRL-style cash-out at 5.9%, no PMI, with $60,000 extracted and monthly payment only $140 higher.

Timing a $1.4M Jumbo Purchase — Physician relocating to Orlando
Jumbo / Rate Lock

Timing a $1.4M Jumbo Purchase

Physician relocating to Orlando

A physician relocating with a tight closing deadline needed jumbo financing during a volatile rate window. We compared five portfolio lenders and built a lock strategy with a float-down.

$1.12M

Loan size

6.4%

Rate locked

3 days early

Closed

Outcome: Locked a 6.4% 30-year jumbo with 20% down, exercised the float-down when rates dipped, and closed three days early.

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