The Right Loan for
Every Situation.
With access to 180+ wholesale lenders, I offer a full suite of mortgage programs — from first-time buyers to seasoned investors, from $100K purchases to $5M luxury homes. No matter your situation, there's a program built for you.
Why Settle for One Bank's Options
When You Can Have All of Them?
Most borrowers go to a bank and get whatever that bank offers. As an independent mortgage broker, I'm not limited to one institution's products. I shop your loan across 180+ wholesale lenders — finding the program that fits your situation best, at wholesale pricing. Whether you're buying your first home, investing in rental properties, tapping your equity, or planning retirement, there's a program below built for exactly where you are.
Every Loan Program, Explained.
Your first home is closer than you think. Low down payment options, down payment assistance, and expert guidance every step of the way.
- As little as 0–3.5% down
- Down payment assistance programs
- Flexible credit guidelines
- Support from application to keys
The most accessible path to homeownership — 3.5% down, flexible credit starting at 580, and gift funds allowed for the full down payment.
- 3.5% down payment minimum
- Credit scores from 580+
- 100% gift funds accepted
- Shorter waiting periods after bankruptcy
The most powerful mortgage benefit ever created. Zero down payment, no PMI, and competitive rates — exclusively for those who served.
- 0% down payment required
- No private mortgage insurance
- Competitive interest rates
- Reusable benefit — use it multiple times
Qualify based on rental income — not your personal income. No W-2s, no tax returns. Built for investors who want to scale their portfolio.
- No personal income verification
- Close in LLC or business name
- Short-term rental (Airbnb) eligible
- No limit on number of properties
Lower your rate, reduce your payment, shorten your term, or tap your equity. I'll find the best refinance option across 180+ lenders.
- Rate & term refinance
- Cash-out refinance up to 80% LTV
- FHA & VA streamline options
- Free break-even analysis included
Financing above $832,750 for luxury homes and premium properties — with flexible underwriting and competitive wholesale rates.
- Loan amounts from $833K to $5M+
- As low as 10% down
- Self-employed & bank statement programs
- Portfolio lender flexibility
Convert your home equity into tax-free cash with no monthly payments required. Stay in your home for life and fund retirement on your terms.
- No monthly mortgage payments
- Tax-free cash from your equity
- Lump sum, monthly, or line of credit
- Also available for home purchases (HECM)
Five ways to unlock the equity you've built — cash-out refi, HELOC, home equity loan, reverse mortgage, or shared equity. I'll find your best option.
- Cash-out refinance up to 80% LTV
- HELOC — draw as needed, up to 90% CLTV
- Home equity loan — fixed rate second mortgage
- Reverse mortgage for homeowners 62+
Whether it's your first home or your fifth, I'll find the right loan across all programs and guide you from pre-approval to closing day.
- Pre-approval in as little as 24 hours
- All loan programs available
- Fast closings — 21–30 days typical
- Direct access to Peter throughout
Why 180+ Lenders Beats One Bank Every Time
Not Sure Which Program
Is Right for You?
Here are some common situations — click the one that sounds most like you and I'll point you in the right direction. Or just call and we'll figure it out together.
Every Borrower Deserves the
Best Loan Available.
Not just any loan — the right loan. I'll shop every program across 180+ wholesale lenders and make sure you're getting the absolute best deal available for your situation.
📅 Find My Best Loan ProgramThis page is for informational purposes only and does not constitute financial, legal, or tax advice. Loan products, rates, and eligibility requirements vary by lender and are subject to change. Please consult a licensed mortgage professional for personalized guidance. Optimized Home Loans powered by Barrett Financial Group, L.L.C. | NMLS #181106 | Equal Housing Lender. Peter Seroter NMLS #997692.
Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
