Borrowing Made Simple

A program sets the floor. The lender sets the rest.

FHA, VA, USDA and conventional guidelines fix the minimums a loan has to clear. Nearly everything above that floor is the individual lender's call — the rate, the credit overlay on top of the agency minimum, the reserves, the fees. Two lenders can quote the same program and price it very differently.

That is what a broker is for. 3E Lending is not one lender with one rate sheet: we shop multiple wholesale lenders and match the program to your credit profile and purchase price. Approval depends on completion of underwriting, and not every applicant qualifies.

Concierge work that moves your rate, your closing costs, and how much you qualify for.

Kimberli helps you tighten up your credit before anyone pulls it. Gets your documents in order so underwriting has no reason to stall. Locks a rate while you shop. Puts your real number in your hand before you make an offer.

None of it is the loan itself. It is the groundwork that decides what the loan looks like by the time it reaches you — and because it all happens before anyone has committed to anything, it is the easiest part of the job to leave out. Plenty of brokers skip it, leaving you to deal with it yourself.

Kimberli doesn't. It is a large part of why 6 of 7 of her clients come by referral or repeat business — and why some of them end up calling her their forever broker.

Not the same as loan servicing. Once a loan closes, a servicer takes over the monthly payment and the escrow account — that is how nearly every mortgage works, whoever arranged it. Everything in this category happens before that point.