Homebuying 101
How to Get Pre-Approved: Your Complete 2026 Guide
Everything you need to know about the pre-approval process, from documentation to timelines to what lenders are really looking for.
Mpire Financial • NMLS# 1905939
Helping Agents Win with AI Strategy & Guiding Homebuyers to Confidence
I help real estate professionals build modern lead generation systems powered by AI, and I walk homebuyers through every step of the mortgage process.
Not sure where to start? Take the free 60-second Loan Quiz →
Two Ways to Work Together
Whether You’re Buying a Home or Building a Business
Choose the path that fits your goals. Both start with a simple conversation.
For Homebuyers
Your Mortgage, Demystified
Buying a home is one of the biggest financial decisions you’ll make. I’ll make sure you understand every step and feel confident at the closing table.
- Personalized loan strategy and pre-approval
- Step-by-step guidance through the entire process
- Access to educational resources and market updates
- Transparent communication — no surprises at closing
For Agents & Professionals
Scale Your Business with AI & Strategy
Solo agent or running a team, I’ll help you build systems that generate leads, save time, and grow your business.
- AI-powered lead generation strategies and tools
- Classes and workshops for modern real estate pros
- Exclusive mastermind groups with ongoing accountability
- Co-marketing and referral partnership opportunities
About
More Than a Mortgage Broker
At 24, I got screwed on my first home purchase. The loan officer had no clue what he was doing, and my cash to close changed by $5,000 on closing day. That experience is exactly why I became a mortgage broker - so no one else has to go through what I did. Since then, my teams and I have helped over 1,500 homebuyers get to the closing table with clear guidance, honest answers, and zero surprises.
Learn more about me1,500+
Homebuyers Helped
50+
Agents Trained
5.0
Avg Rating
Loan Programs
Find the Right Loan for Your Situation
Government-backed, conventional, and specialty mortgage programs available nationwide. Every borrower is different - we'll match you with the best fit.
FHA Loans
Low down payment and flexible credit requirements. A strong option for first-time homebuyers and those with limited savings.
Learn More →VA Loans
Zero down payment and no PMI for eligible veterans, active-duty service members, and surviving spouses.
Learn More →Conventional Loans
Competitive rates and cancellable PMI for buyers with good credit and steady income documentation.
Learn More →USDA Loans
Zero down payment for eligible rural and suburban areas with the lowest mortgage insurance of any government program.
Learn More →Non-QM & Self-Employed
Bank statement loans, asset-based programs, and flexible options for borrowers outside traditional guidelines.
Learn More →DSCR / Investment Property
Finance rentals using the property's income. No personal income docs, no tax returns, unlimited properties.
Learn More →Refinancing
Lower your rate, shorten your term, drop mortgage insurance, or pull cash from your equity.
Learn More →Jumbo Loans
Financing for high-value homes above conforming limits with competitive rates for well-qualified borrowers.
Learn More →Plan Your Purchase
Mortgage Payment Calculator
$70,000
Estimated Monthly Payment
$1,896
per month
Principal & Interest$1,769
Est. Property Tax$350
Est. Insurance$102
These calculations are estimates only and do not constitute a loan offer. Contact Cole Brantley for a personalized quote. NMLS# 1905939
For a detailed breakdown with loan programs, PMI, and amortization, use our full mortgage calculator →
Not sure how much you can afford? Try our affordability calculator | Explore all free mortgage tools →
What People Are Saying
Real Results, Real Stories
5 out of 5 stars
“The entire process was so much less intimidating than I expected. Every question I had was answered before I even had to ask. I felt confident and informed from day one.”
5 out of 5 stars
“The AI lead gen training completely changed how I run my business. I went from chasing leads to having a system that brings them to me. This is the real deal.”
5 out of 5 stars
“The mastermind group pushed me to think bigger. The strategies are actionable, the accountability is real, and the network I’ve built is invaluable.”
Learn Before You Leap
Latest Insights & Resources
AI Strategy
5 AI Tools Every Real Estate Agent Should Be Using Right Now
From automated follow-ups to content generation, these AI tools are transforming how top-producing agents run their businesses.
Market Update
What the Latest Rate Decision Means for Your Mortgage
Breaking down the Fed’s latest move and what it actually means for homebuyers, refinancers, and real estate investors.
Watch & Learn
Videos That Break It Down
First-Time Buyer Basics
AI for Real Estate Agents
Understanding Your Rate
Frequently Asked Questions
Answers to Common Questions
Free Monthly Homebuyer Webinar
Join us on the 4th Tuesday of every month at 7PM ET. Learn about the homebuying process, mortgage options, and get your questions answered live - all for free.
Save My Spot → No sales pitch. Just straight answers.Ready to Get Started?
Buying your first home or growing your business, the next step starts with a conversation.