Chris Kobz
Branch Manager
As a dedicated loan officer with years of experience in the financial sector, I am here to serve as your personal guide through the often complex process of securing a home loan. My goal is to not only meet your immediate financial needs but also to provide you with the knowledge and resources necessary to make informed decisions about your future home loan requirements. By offering personalized service tailored to each client’s unique situation, I strive to ensure that you feel confident and educated about your mortgage options.
Whether you’re a first-time homebuyer, looking to refinance, or exploring investment opportunities, my commitment is to support you every step of the way, ensuring a smooth and stress-free experience. Let me help you navigate the path to homeownership with expertise, empathy, and a deep commitment to your financial well-being.
NMLS ID: 208371
“Finally, someone who picked up the phone.”
“Closed in 18 days. They meant it.”
“Made it easy when I thought it would be impossible.”
Pre-approved on day one
The Process
I'm with you from first conversion to keys in hand
Plan
Every home loan starts with a conversation. Where you are, where you want to go, and what it takes to get there. One person builds the plan with you… no pressure, no hard credit pull to start.
Shop
When it's time, we put your home loan in front of about 40 investors and hundreds of programs; the whole mortgage market, priced side by side. We're not married to any of them. That's kind of the point.
Close
I work with you, all the way to the keys in hand. We work back from your closing date, keep everyone moving, and you always know where things stand. No chasing. No surprises at the table.
Buy a home or refinance your mortgage
Compare the right next step for your goals, timeline, and current mortgage.
Buy
Experience all the benefits of buying a home.
Build Equity Instead of Paying Rent
No Limits: Design Your Own Home
Remove Rent Hikes: Lock In A Monthly Payment
Expand Your Real Estate Portfolio
Build Equity Instead of Paying Rent
No Limits: Design Your Own Home
Remove Rent Hikes: Lock In A Monthly Payment
Expand Your Real Estate Portfolio
We’ll walk you through the process, explore the whole market, and get you a real number with no pressure.
Refinance
Experience all the benefits of Refinancing your home.
Adjust Payment With a Lower Rate
Change Your Pay Off Terms
Cash Out Your Equity
Consolidate Your Debt
Adjust Payment With a Lower Rate
Change Your Pay Off Terms
Cash Out Your Equity
Consolidate Your Debt
Get a straight answer on whether refinancing makes sense. Real numbers, no credit hit, and no pressure; just honest guidance.
I'm here every step of the way
Here’s what it looks like when you actually have someone in your corner.
I'll get you pre-approved
I’ll get on the phone, answer every question straight, and walk you away pre-approved the same day. Most lenders make you wait days for that. I don’t.
I'll show you every option, explained in plain English
I’ll compare the whole market and walk you through your real options in plain English. No decoding, no guessing.
I'll keep your paperwork moving - so you don't have to chase it
Conditions, documents, the underwriting back-and-forth – I handle it all. I’ll make sure you know exactly what’s needed and when. No wondering.
I'll keep you informed at every step, all the way to the keys
I’ll send proactive updates the whole way, so you hear it from me before you’d ever have to ask. No ghosting, no surprises at the table.
Real feedback
This is what it feels like to work together.
Which Home Loan is Right for You?
You have more options than you think. And choosing the right loan can make all the difference. Here’s the lay of the land.
Conventional
The standard option for most buyers. Often the best fit if your credit and down payment are solid.
VA
For veterans and active service members. No down payment required for those who qualify.
FHA
Lower down payment requirements. A common path for first-time buyers who need flexibility.
USDA
For homes in eligible rural and suburban areas. Can mean zero down if you qualify.
Adjustable-Rate
Lower initial rates with flexibility. Start low, then adjust based on market conditions.
Bank Statement Loan
You’re self-employed. Your bank account proves you earn.
Bridge Loan
You sold your home but need to close on the next one today. Bridge Loan gets you there.
DSCR Loan
You own rental properties that cash flow. DSCR Loan qualifies you on what your property actually makes.
Fixed-Rate
Predictable payments that never change. Lock in your rate for 15 or 30 years and build equity with certainty.
Home Equity
A Home Equity Line of Credit (HELOC) or Home Equity Loan can help you access that equity for renovations, major expenses, debt consolidation, or other financial goals.
Reverse Mortgage
You own your home outright or nearly there. Reverse Mortgage lets you convert equity into cash while you stay.
Things people ask us before they get started
The answers to what matters most before you move forward.
What's a hard credit pull?
A hard pull checks your actual credit report and shows up on your history. That doesn’t happen until you’re ready to move forward. The initial conversation is just a conversation.
Do I need to be a first-time buyer?
No. First-time buyers, repeat buyers, refinancers – all welcome, repeat buyers, refinancers, and people with complicated income situations. The loan type changes. The process doesn’t.
What if I've been told no before?
Bring it to us. Different lenders have different overlays and risk appetites. What one bank declines, another may approve, especially through the broker channel where we access dozens of wholesale lenders. We’ll tell you honestly if there’s a path.
How much does this cost?
You’ll see a full breakdown before you commit to anything. Our fees are transparent, and in many cases, lender credits cover part or all of the cost. No hidden charges. No surprise line items at closing.
Let's see what's possible
I handle every file personally.
Reach out and you’ll hear from me directly, not a team, not a queue.