No points.
Ask for your personalized rate and an itemized estimate of all remaining costs.
HOME LOANS & INVESTMENT PROPERTY FINANCINGYour next home.
Your next home.
Your next rental.
Your AREG team.
Buy, refinance, or grow your rental portfolio with clear numbers and real answers. No points. No processing fee. No underwriting fee.
Realtor partner? Go straight to the rate desk →
PURCHASE. REFINANCE. INVEST.
One team for your next move.
One team for your next move.
Choose your next step.
INVEST
Finance a rental property
DSCR purchase, refinance, and cash-out options.
→BUYBuy your next home
A clear path from your budget to the next offer.
→REFINANCERethink your mortgage
Compare your payment, term, and equity options.
→SELL & MOVEPlan your next move
Coordinate a home sale with your next purchase.
→UNDERSTAND THE RENTAL MATHStart with coverage.
Start with coverage.
Then review the whole deal.
Illustration only: $3,000 monthly qualifying rent ÷ $2,500 monthly housing debt costs = 1.20× DSCR.
This ratio does not subtract repairs, vacancy, management, or every operating cost. It is not a cash-flow forecast or approval threshold.
Run my own DSCR numbers →ILLUSTRATIVE SCENARIO1.20×
$3,000 rent / $2,500 housing debt
Credit · Equity · Reserves
Property · Loan terms · State
Clear costs from the start.
No processing or underwriting fee.
Third-party closing costs, prepaid items, taxes, and insurance may still apply.
Up to $600 appraisal credit.
On all purchase loans, at closing, up to the appraisal charge. Ask the team to show it in your estimate.
YOUR PEOPLE AT AREGA question shouldn’t
A question shouldn’t
slow down a closing.
Brooke and John are here for the “can we?” questions. Bring a loan scenario, ask what to collect, or get help choosing your next step.
See the document checklists ↓
FOR OUR REALTOR PARTNERSYour rate desk.
Your rate desk.
Your client’s next step.
Current conversations, preparation checklists, CondoQuest, and California/Florida open-house flyer requests.