Our customers come first
I support my customers along every step of the way, helping to make sure you are taken care of.
Step one · Nebraska, Colorado, Iowa, Georgia, and Florida · NMLS #2409884
Better mortgages start here.
Helping you find freedom in finance! Applying for a mortgage should be fast, simple, and secure. I shop lenders. I work for you, not the banks.
Shopping is free. Apply Now opens the secure application in a new tab. This page is not a commitment to lend.
Working for you, not the banks.
More money in your pocket
I can help guide you toward paying a mortgage off faster, or toward consolidating debt when the numbers actually work.
A wide set of choices
I have access to many lenders, so I can shop for a mortgage that fits the way you earn, spend, and live.
Experience that counts
I have many years in the mortgage business, and I bring that to your file. We shop the best option we can find, at no charge to you.
Loans we can talk through
Purchase, refinance, government-backed loans, and equity. Guidelines change. Nothing here is a rate or an approval.
Buy a home
First-time home buyers
A calmer first purchase: what to gather, what the payment includes, and which loans are even worth comparing.
Other programs
Conventional loans
Loans that are not insured by FHA, VA, or USDA. Conforming loans follow Fannie Mae and Freddie Mac rules.
Refinance and equity
Refinance
Replace your current mortgage. Sometimes the payment drops. Sometimes the smarter move is a shorter term.
Refinance and equity
Cash-out refinance
Borrow against equity for a reason you can name: debt, repairs, or another specific need.
Government-backed
FHA loans
FHA-insured loans. Often used by buyers with a smaller down payment or a shorter credit history.
Government-backed
VA loans
For eligible veterans, service members, and certain surviving spouses. Often no down payment.
Step one
Apply NowMaking the mortgage process easier
I will help you along each step. Here is the short version. The longer one, including underwriting and closing, is on the process page.
1
Contact us
Call me to get the conversation started.
2
Needs analysis
I will identify the items you need help with, that are specific to you.
3
Take action
I will get the ball rolling and get things started for you.
4
Peace of mind
Knowing that you received the best mortgage for your situation.
Crunch the numbers
Payment, affordability, refinance savings, rent versus buy, and a full amortization schedule. You type the rate. We do not publish one.
We do not publish interest rates on this website. Rates change daily and depend on the lender, your credit, the loan, and the property. Call or email for a current quote. A calculator result is an estimate, not a rate lock and not a commitment to lend.
Open the calculatorsThe family behind the brokerage
Solo is President and Co-Founder. Luke is CEO and Co-Founder. They are brothers-in-law. Solo also founded Freedom Financial Plans, the family’s money coaching firm in Lincoln, Nebraska. Luke lives in Parker, Colorado. A mortgage conversation can start with either of them, or with anyone on the team.
Read their storiesQuestions people ask first
Straight answers. If yours is not here, call. You will not get a script.
All questionsWhy use a mortgage broker instead of walking into a bank?
A bank can offer you the loans that bank sells. A broker shops more than one lender and works for you, not for a single bank. Freedom Family Mortgage’s promise is simple: we shop for the best mortgage option we can find for your situation, at no charge to you. You still compare the Loan Estimate and decide.
Do you charge me to shop?
No. We shop at no charge to you. Lenders and third parties (appraisal, title, credit report) have their own fees. Those belong on a Loan Estimate before you commit. If anyone quotes a fee you do not understand, ask before you pay it.
Can I buy a home if my credit is not perfect?
Sometimes, yes. A hard stretch caused by illness, a divorce, or a layoff does not automatically end the conversation, especially if you can show what happened and that you have paid on time since. Which programs will consider the file depends on the lender and the loan. We will tell you honestly if we do not have a fit.
Which loan is best?
The one that fits how you will pay it back, not the one with the smallest advertised payment. Fixed-rate loans keep principal and interest steady. Adjustable-rate loans can start lower and then change. Interest-only and balloon loans push a larger balance into the future and are a poor fit for many families. We ask about your plans before we recommend a product.
When should I look at refinancing?
Look when the savings, after closing costs, are worth it for how long you expect to keep the loan — or when you have a reason other than the rate, such as dropping mortgage insurance, changing the term, or paying off higher-interest debt on purpose. A lower rate that resets the clock to 30 years can cost more interest over the life of the loan. Run both numbers. Our refinance calculator is a starting sketch, not a quote.
From the learning center
All articlesRefinance
Before you refinance, ask what the lower payment is costing
A refinance can help. It can also restart the clock. Here is how to tell the difference before you pay for an appraisal.
Loans
Fixed, adjustable, or something you should probably skip
How to choose between a fixed-rate mortgage and an ARM, and when a balloon or interest-only loan is a bet rather than a plan.
Process
The documents lenders usually ask for
Pay stubs, tax returns, and bank statements do most of the work. Here is the short list, and why each one is there.
Step one
Step one is the application.
Apply on the secure portal. Luke calls after it is in. A pre-qualification on this site is only a conversation, not a credit pull and not a commitment to lend.