09/01/2026
The funding space is full of people who will take your money before they ever get you any.
Four things that should end the conversation:
1. "Guaranteed approval." Nobody can guarantee approval. Not us, not anyone. Underwriting is a decision a lender makes after reading your file.
2. An upfront fee before you've seen a single term sheet. Legitimate brokers get paid at closing.
3. They won't put the total cost in writing. Ask for the rate, the fees, the term and the total payback. If the answer is a monthly payment and nothing else, you're being sold, not advised.
4. Pressure. "This rate expires tonight" is a sales tactic, not a market condition.
The honest version of this business is boring. We look at your file, we tell you what's realistic, and sometimes we tell people that borrowing right now is a bad idea.
If you've been quoted something and it feels off, send it over. We'll read it and tell you what it actually costs, whether or not you work with us.
All financing subject to lender approval.