Real Closings, Real Results
Every closing is a celebration. Here are some of my recent success stories.
Client Reviews
Perfect 5-star rating on Zillow. See why clients trust me with their biggest financial decision.
"Brandon was amazing, very hands on with every step. He made himself available for anything I needed. Explained all the whys and what to expect throughout the entire process."
"Brandon is quick with all responses, very detail oriented, and extremely hardworking. He made our home purchase a very smooth transaction."
"Can someone so young be effective at work? He blew away my anxiety. He speaks very little, but what he says is high quality and the work he does is very effective."
"Brandon was very easy to work with. He answered my questions in a way that was easy for a first time home owner to grasp. Very patient and explained things in great detail."
"Very fast responding, professional, and knowledgeable. He always treated me as a first priority and did his best to find the best and lowest rates. It was a pleasure."
"He went above and beyond to make sure our loan process goes smoothly. He treated us like family and was so helpful during the whole process."
Who I Work With
Whatever your situation, I'll find the right loan for you.
Step-by-step guidance through your first home purchase
Bank statement loans — no tax returns needed
DSCR, portfolio, and investment property loans
VA loans — $0 down, no PMI
Tôi nói tiếng Việt — Hãy gọi cho tôi!
Why Work With Me
At Lock It Mortgage, we believe home financing should feel personal, not transactional. Every homebuyer's story is unique, and I'm here to help write yours with clarity, confidence, and care.
I compare options from 100+ top lenders to find you the best rate.
I keep you informed at every step so there are no surprises.
I find the program that works best for your financial situation.
I streamline each step, guiding you through with ease.
What Sets Me Apart
I do more than provide loans — I put you first. Every step is personalized, clear, and focused on making your home financing simple and stress-free.
Nights, weekends, whenever you have questions. Real estate doesn't wait, and neither do I.
Self-employed, credit challenges, unique situations — I specialize in finding solutions others can't.
Instead of shopping yourself, I do the work. One application, multiple options, best terms.
In competitive markets, fast pre-approvals win deals. I move quickly so you don't miss out.
Loan Solutions
Find the right loan for your situation
A popular choice for strong-credit buyers, offering competitive rates and down payments as low as 3%.
Government-backed financing with flexible credit requirements and low down payments for easier qualification.
Exclusive to veterans and active-duty service members — no down payment, no PMI, and low rates.
Self-employed? Use bank deposits instead of tax returns. Perfect for business owners with write-offs.
Financing for higher-value homes exceeding conforming limits, ideal for well-qualified buyers.
Financing for rental properties and real estate investments. Build your portfolio the smart way.
These are just a few of the loan programs I offer. Whatever your situation, I'll find the right solution for you.
Common Questions
Quick answers to help you get started
For most borrowers: recent pay stubs, W-2s from the last 2 years, bank statements, and a valid ID. Self-employed? I can work with 12-24 months of bank statements instead of tax returns. I'll tell you exactly what's needed for your specific situation.
Most pre-approvals are ready the same day — often within a few hours. I move fast because I know in competitive markets, timing matters. Once I have your documents, I'll get you an answer quickly.
Absolutely! This is one of my specialties. I offer bank statement loans that use your deposits instead of tax returns. If you have strong income but lots of write-offs, this program is perfect for you.
It depends on the loan program. FHA loans can go as low as 580. Bank statement loans typically need 620+. Conventional usually requires 620-640. Even if your score isn't perfect, let's talk — I often find solutions for challenging credit situations.
Có! Tôi nói tiếng Việt. I'm fluent in Vietnamese and happy to explain the entire loan process in your preferred language. Feel free to call or text me in Vietnamese anytime.
A bank can only offer their own products. As a broker, I shop your loan across 100+ lenders to find you the best rate and terms. One application, multiple options. Plus, I'm available 24/7 — not just during banker's hours.
Whether you're just exploring your loan options or ready to take the next step, I'm here to guide you through every stage of the process.
Ready to get started? Have questions? I'm here. Reach out however works best for you.
Fill this out and I'll reach out within 24 hours (usually much faster).