Talk Before You Apply
Start with a conversation, not a commitment.
A mortgage consultation gives you room to ask questions, understand possible paths, and identify what needs attention before you complete a full application or make a major housing decision.
Start here
When a Consultation Makes Sense
Preparing to buy
Start here if you are unsure about budget, cash reserves, or the timing of a purchase review.
Comparing loan options
Use the conversation to narrow the paths that may deserve a closer look.
Reviewing a refinance goal
Discuss whether refinancing supports a clear goal before replacing the current loan.
Sorting out credit, income, or employment questions
Talk through concerns before deciding whether to apply now or prepare first.
Planning Support
Use the right tool before the next step.
Overview
What the Conversation Covers
Rough numbers are enough for an initial conversation. Use the secure application portal when documents, account information, or other sensitive financial details are needed.
Goal and timing
Buying, refinancing, using assistance, preparing, or comparing paths.
Income, employment, credit, and debts
Review the broad factors that may affect the next step.
Cash, reserves, and property details
Discuss down payment, closing costs, gifts, reserves, property type, occupancy, taxes, insurance, HOA dues, and target payment.
Current mortgage details
For a refinance conversation, gather the current payment, balance, rate, loan type, and reason for reviewing a new structure.
What to know
Leave With a Clearer Next Action
A consultation may lead to a secure application, specific document gathering, a smaller set of loan paths, credit or debt preparation, a clearer purchase budget, or a decision to wait.
A consultation is not an approval, rate lock, or commitment to lend.
FAQs
Questions worth answering before you decide.
Do I need a property address?
No. An early conversation can begin before you select a property. A specific property becomes necessary for a complete purchase loan review and Loan Estimate.
Will RGI pull my credit during the consultation?
Not necessarily. A general conversation can begin without a credit inquiry. A credit report may be needed for a more complete review, prequalification, or application, with the appropriate authorization.
Can I ask questions before I am ready to apply?
Yes. The purpose of the consultation page is to give early-stage borrowers a practical starting point.
Is a consultation a commitment?
No. Talking through the scenario does not obligate you to apply or proceed with a loan.