The Broker

The Broker A premier mortgage broker shop, founded by two industry veterans with over 25 years of experience.

The Broker LLC
NMLS ID #2450802
www.nmlsconsumeraccess.org

đź“ŤPremier mortgage broker shop currently servicing VA, NC, SC, FL, TX, HI

Waiting for mortgage rates to drop might sound like the safer move, but rates aren’t the only thing that can change.If r...
09/02/2026

Waiting for mortgage rates to drop might sound like the safer move, but rates aren’t the only thing that can change.

If rates improve, more buyers could jump back into the market, which may mean more competition, multiple offers, and less negotiating power.

Instead of trying to perfectly time the market, ask yourself: Am I financially ready to buy? 🏡

If you find the right home at a monthly payment you’re comfortable with, this fall could be worth exploring.

📲 Talk to The Broker Mortgage Experts and let’s look at your numbers together.

09/01/2026

Your credit score doesn’t have to be perfect to buy a home. 🏡

Ron Stowe breaks down one of the most common questions homebuyers ask: “What credit score do I need to buy a house?”

The reality? It depends on the loan program and your overall financial picture. Some qualified buyers may have options even with a credit score below 600.

A higher score can certainly help, but don’t automatically assume homeownership is out of reach because your credit isn’t perfect.

📩 Thinking about buying but worried about your credit? Let’s look at the full picture and explore what options may be available to you.

Disclaimer: Loan approval and program eligibility are subject to applicable underwriting guidelines, credit requirements, and borrower qualifications.

Realtors, your clients deserve a lending partner who can help keep the homebuying process moving with clarity, communica...
09/01/2026

Realtors, your clients deserve a lending partner who can help keep the homebuying process moving with clarity, communication, and confidence. 🏡

At The Broker Mortgage Experts, we’re looking to connect with real estate professionals who value strong partnerships, reliable support, and a better experience for their buyers.

Whether you’re helping a first-time buyer, a veteran, an investor, or a growing family, our team is ready to work alongside you from pre-approval to closing.

Looking for a mortgage partner you can count on? Let’s connect.

Visit thebrokerva.com or send us a message to start the conversation.

Some people find their calling once.Larry Gonzales has answered it twice.After serving 24 years in the U.S. Navy as a Su...
08/27/2026

Some people find their calling once.

Larry Gonzales has answered it twice.

After serving 24 years in the U.S. Navy as a Surface Warfare Officer, Larry continued his mission of serving others—this time by helping families achieve homeownership.

Since 2018, Larry has been recognized as Hawaii's top-producing loan officer, combining his leadership, experience, and firsthand knowledge of the VA Home Loan to help veterans and homebuyers navigate one of life's biggest milestones with confidence.

When he's not helping clients, Larry enjoys life in Hawaii with his wife, Vicki, and their three children—the same place they chose to call home after his military retirement.

For Larry, every mortgage is more than a loan. It's an opportunity to serve, educate, and help families build a future.

Ready to work with Larry?

Reach out today and let's get started.

08/25/2026

Trying to buy a home? Tina has a few important reminders for you.

Don’t co-sign for anyone.
Don’t change jobs during the loan process.
And don’t make any major purchases. No new car, no furniture, nothing.

Even one financial change can affect your loan approval, so keep things steady from application to closing. As Tina says, if you have to eat noodles for a little while, eat the noodles. Your new home will be worth it!

Have questions about what you should or shouldn’t do while buying a home? Message The Broker Mortgage Experts today.

How much home can you comfortably afford?Before you start scrolling through listings, get a clearer picture of the numbe...
08/24/2026

How much home can you comfortably afford?

Before you start scrolling through listings, get a clearer picture of the numbers behind your next move.

The Broker’s mortgage calculators can help you estimate your monthly payment, explore your home-buying budget, compare renting versus buying, calculate potential refinance savings, and more.

It’s quick, easy, and there’s no commitment. Just helpful information to help you plan with confidence.

👉 Try our mortgage calculator today, then connect with The Broker Mortgage Experts for a personalized quote based on your financial goals. - thebrokerva.com/mortgage-calculator/

❌ MYTH: All lenders offer the same loans and rates.✅ REALITY: The lender you choose can make a major difference.Loan pro...
08/22/2026

❌ MYTH: All lenders offer the same loans and rates.

âś… REALITY: The lender you choose can make a major difference.

Loan programs, interest rates, fees, qualification guidelines, flexibility, and communication can vary from one lender to another. The lowest advertised rate may not always be the best overall option for your situation.

A knowledgeable mortgage professional will take the time to understand your goals, explain your choices, and help you find a loan strategy that fits your needs.

Don’t choose a lender based on the rate alone. Compare the full experience.

Connect with The Broker Mortgage Experts today.

For nearly 40 years, Alvin has proudly called Hampton Roads home—and for more than 20 of those years, he has helped fami...
08/20/2026

For nearly 40 years, Alvin has proudly called Hampton Roads home—and for more than 20 of those years, he has helped families throughout the community achieve their homeownership goals.

With his experience, local knowledge, and commitment to doing what’s right for every client, Alvin has become a trusted guide for first-time homebuyers, investors, and families searching for their dream home.

And mortgages aren’t the only thing he’s passionate about. Alvin also owns The Iron Asylum, a local gym where you’ll often find him getting an early start at 5:00 AM.

Outside of work, he enjoys spending time with his wife, Aimee, their three children, and their dogs.

For Alvin, helping someone buy a home is more than a transaction—it’s an opportunity to help them make a confident and meaningful investment in their future.

Ready to work with Alvin? Reach out today and let’s get started.

Alvin Lapitan
Broker/Owner
NMLS #244508

08/18/2026

How much home can you qualify for? Ron Stowe, Loan Officer with The Broker Mortgage Experts, breaks it down.

While your income, credit, debt, and down payment all play a role, the most important number is the monthly payment you feel comfortable with.

Just because you qualify for a higher amount doesn’t mean you have to spend it. The goal is to find a price range that fits your budget without stretching yourself too thin.

Have questions about what you may qualify for?

Reach out The Broker Mortgage Experts today at https://thebrokerva.com/

Happy Birthday, Amy! 🎂Today, we’re celebrating someone who brings the perfect mix of hustle, heart, and humor to The Bro...
08/17/2026

Happy Birthday, Amy! 🎂

Today, we’re celebrating someone who brings the perfect mix of hustle, heart, and humor to The Broker team!

Amy’s dedication to helping others, talent for solving problems, and genuine care for every client make her an incredible teammate and a trusted guide on the journey to homeownership.

We hope your birthday is filled with everything you love great food, memorable adventures, time on the water, and maybe even a perfect round of golf! ⛳️

Happy Birthday, Amy! Wishing you an amazing year ahead filled with happiness, success, and exciting new experiences. 🥳

Address

1407 Stephanie Way
Chesapeake, VA
23320

Telephone

+17576194494

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