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Luxury House

I am dedicated to making sure your mortgage experience is as easy and stress-free as possible.

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Christopher Lai

NMLS # 2305523


Why Choose Me

When it comes to getting a home loan I know there are more options for you than I can count. I can tell you that mortgage companies put their efforts into 1 of 4 different categories that they promote to potential clients: 


Low Rates

As a broker, I can shop your rate with over 180 different lenders in order to find you the best deal possible!

Great Service

I will work with you from start to finish, so you are always in control of the process.

Many Loan Options

As a broker, I can run your loan through whichever of my 180+ lenders best fits your unique needs.

Easy to Work With

My clients aren't just customers to me, they're friends. That's why I give each and every one my personal cellphone number, (813) 928-8268.

Our commitment to all four  of these categories has catapulted us to becoming the Fastest Growing Mortgage Company in the US because we deliver on all four. As a company, this commitment is built into the fabric of who we are and is right in our Core Values.

Our Services Include

Most loans fall into the “Conventional Financing” category. This includes conforming, non-conforming, and Jumbo. Conventional offers some of the best and most varied loan terms, including no-PMI, interest-only, reverse, and loan amounts over $550k. They also offer lower down payment options for First-Time Home Buyers with good credit.


(QM & Non-QM)

Open Doors
Government loans, such as FHA, USDA, and VA, make homeownership possible and easier for low-to-moderate-income borrowers who may not otherwise be able to get financing due to a lack of or a bad credit history or because they don't have enough saved up. Those who qualify for an FHA loan will normally only need a 3.5% down payment, while USDA and VA don’t require any down payment at all in most situations. Also, the credit requirements aren't nearly as strict as other mortgage loans—even those with credit scores as low as 580 may get financing.


(FHA, VA, and USDA)

Let's Discuss 
Your Loan

Fill out the form, call, or text me to

set up a time to talk about your loan possibilities.

Christopher Lai

NMLS # 2305523


(813) 928-8268

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