Your Home. Your Future. Your Ally.

Mortgages can be complicated—our job is to make them easy, so you can focus on what matters

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Today’s mortgage rates

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Rates as of March 5, 2025

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Your trusted ally in home financing

Work with top 1% originators nationwide, giving you the knowledge and support you need to make confident decisions.

Fast and friendly service

We pride ourselves on quick communication and a friendly approach, so you never feel left in the dark or overwhelmed by the process.

Stress-free guidance

Our job is to simplify the process. We provide clear, jargon-free explanations and guide you every step of the way, making the whole experience easy.

Honest, no-pressure advice

We put your needs first, always providing transparent, no-pressure advice so you can be sure you're making the best decision for your future.

Competitive live rates

We have access to the full spectrum of loan options giving you competitive rates and helping you save money over the life of your loan.

Seamless online process

Our streamlined online tools make applying for a mortgage simple, saving you time and effort with easy-to-use applications.

No hidden fees

Transparency is key. We make sure you understand all costs upfront—no surprises, just clear and honest information.

We finance what others can’t

No matter how unique your situation, we’ll find a loan that works for you.

Home Advantage 3 (3% down)
W-2 only
Asset Utilization Loan
Buy before you sell
Bridge Loans
Fixed Seconds Loan

Your dream home is within reach

Buying your dream home shouldn't be stressful—it should be exciting. We can help you with:

  • Competitive ratesGet a great rate that fits your budget and saves you money over time.
  • Pre-approval with easeKnow exactly what you can afford and shop with confidence.
  • Quick and smooth processFast closings mean you get the keys sooner, without the hassle.

Refinance your home with ease

Refinancing can help you lower your monthly payments, shorten your loan term, or access extra cash. Let Mortgage Ally guide you through a simple, hassle-free process.

  • Lower your monthly paymentsAccess your home equity
  • Access your home equityUse the value in your home for improvements, debt consolidation, or other needs
  • Shorten your loan termPay off your mortgage sooner and save on interest.

Find the right loan for you

Home Advantage 3

Best for first-time homebuyers and repeat homebuyers.

  • Down payment as low as 3%
  • No mortgage insurance ever
  • Below market interest rates
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Profit And Loss Only Loan

For business owners who prefer to use profit and loss statements instead of tax returns.

  • Business-focused
  • Simplified documentation
  • Faster qualification
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Investor Loan

Best for real estate investors seeking financing for rental properties

  • Flexible qualification requirements
  • Up to 80% of the property value
  • Primary residence not required
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NON-QM Loan

Ideal for those with unique income situations that don't fit traditional lending.

  • Flexible documentation
  • Credit flexibility
  • Tailored solutions
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Fixed Seconds

A second mortgage with a fixed rate, great for accessing equity without refinancing.

  • Fixed interest rate
  • Access equity
  • Flexible use
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HELOC

A Home Equity Line of Credit gives you flexible access to funds using your home equity.

  • Access equity as needed
  • Flexible repayment
  • Great for renovations
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Debt Service Coverage Ratio (DSCR) Investor

For property investors looking to qualify based on rental income.

  • Rental income focused
  • No personal income verification
  • Investment-focused
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Asset Utilization

Use your assets to qualify, rather than income.

  • Leverage your assets
  • No income required
  • Flexible terms
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W-2 Only

For borrowers using only W-2 income to qualify.

  • Simple documentation
  • Streamlined approval
  • Competitive rates
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No Income, No Employment

A flexible option for investors who don't want to verify income or employment.

  • Easy qualification
  • Investment-friendly
  • Quick approvals
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Schedule a call

Talk to a mortgage expert today

Get personalized guidance for your mortgage needs. Schedule a call with one of our mortgage experts to discuss your options—no pressure to move forward afterward.

Phone number:

925-788-1644

“Eric is a very experienced lender with great communication. He’s wonderful to work with always meets timelines or beats them. Working with Eric is a pleasure and I recommend utilizing his services.”

Jeremy Jacobson

“I recently had an opportunity to work with Eric. He is very patient and explains every minute details. It was pleasure to work with him.”

Shailesh Gothi

“Highly recommend you work with Eric. He knows his business inside out. I interviewed a number of mortgage brokers and no one came close to his knowledge, expertise, and follow up. He worked hard to find the best solution for my unique situation. Plus he is a great guy and easy to work with. Give him a call.”

Elaine Ferre

Frequently asked questions

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Get your personalized quote in just 60 seconds

No hassle, no stress—just a quick way to see your options. Get your mortgage quote with zero obligations and zero impact on your credit score.

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  • Live rates
  • No commitment
  • No credit pulls