Safeguard
Safeguard
Purchase, Refinance, HELOC, or Investment Property - We've Got You Covered
Whether you're buying your dream home, lowering your monthly payment, accessing your home's equity, or building your investment portfolio - find the perfect mortgage solution in just 2 minutes. No credit check required to get started.
Trusted by 50,000+ Homeowners Nationwide
Ready to buy your dream home? We offer conventional, FHA, VA, and USDA loans with competitive rates and down payment options as low as 3%. First-time buyers welcome!
Lower your rate, reduce your monthly payment, or switch loan terms. If rates have dropped or your credit has improved, refinancing could save you thousands every year.
Tap into your home's equity with a HELOC or cash-out refinance. Perfect for home improvements, debt consolidation, or major expenses—often at lower rates than credit cards.
Building your real estate portfolio? We specialize in DSCR loans and non-QM financing for investors. Qualify based on property cash flow, not just personal income.
Our licensed mortgage professionals have helped over 50,000 homeowners navigate the lending process. Whether you're a first-time buyer or seasoned investor, we'll guide you to the best solution.
We work with dozens of top lenders to find you the best rate and terms. One application, multiple offers—saving you time and potentially thousands of dollars.
No endless paperwork or waiting weeks. Our streamlined digital process gets you pre-approved in as little as 24 hours so you can make offers with confidence.
Low credit score? Self-employed? Investment property? We have specialized loan programs for unique situations that traditional banks often decline.
Transparent pricing from day one. We'll show you all costs upfront—no junk fees, no surprises at closing. What you see is what you get.
You'll have a dedicated loan officer from application to closing. We're here to answer questions, provide updates, and ensure a smooth, stress-free experience.
Not backed by the government. Typically require 5-20% down payment and credit scores of 620+. Best for borrowers with strong credit and stable income.
Government-insured loans with down payments as low as 3.5% and credit scores as low as 580. Great for first-time buyers or those with limited savings.
Available to veterans, active military, and eligible spouses. No down payment required, no PMI, and competitive rates. A powerful benefit for those who served.
Zero down payment loans for rural and suburban homebuyers who meet income limits. Designed to promote homeownership in less densely populated areas.
For loan amounts exceeding conforming loan limits ($766,550 in most areas). Typically require larger down payments and higher credit scores.
Debt Service Coverage Ratio loans for investors. Qualify based on property cash flow rather than personal income. Perfect for building rental portfolios.
The true cost of your loan including interest rate and fees, expressed as a yearly rate. Always compare APRs, not just interest rates.
Insurance required when you put down less than 20%. Protects the lender if you default. Can be removed once you reach 20% equity.
Your monthly debt payments divided by gross monthly income. Most lenders prefer DTI below 43%, though some programs allow higher.
The loan amount divided by the property value. Lower LTV means more equity and typically better rates. 80% LTV is the sweet spot.
Fees paid at closing, typically 3-6% of loan amount. Includes appraisal, title insurance, origination fees, and prepaid taxes/insurance.
Guarantees your interest rate for a specific period (usually 30-60 days) while your loan processes. Protects you from rate increases.
Quick assessment of your financial situation. Gives you a rough idea of how much you can borrow. Takes just minutes.
Full application with credit check and document review. Provides a conditional commitment letter showing sellers you're a serious buyer.
Armed with pre-approval, you shop for homes within your budget. When you find the one, make an offer with confidence.
Submit full documentation. Lender orders appraisal, title search, and verifies all information. Stay responsive to requests.
Underwriter reviews everything and may request additional documentation. This is the most critical approval stage.
Final approval! You'll receive closing disclosure showing all costs. Review carefully and wire funds for closing.
Sign final documents, pay closing costs, and get your keys! The home is officially yours. Congratulations!
Even a 20-point increase can lower your rate. Pay down balances, fix errors, and avoid new credit before applying.
Putting down 20% eliminates PMI and often qualifies you for better rates. Even 10% vs. 5% can make a difference.
Rates can vary by 0.25-0.5% between lenders. That's thousands over the life of your loan. Always compare at least 3 offers.
15-year mortgages have lower rates than 30-year. If you can afford higher payments, you'll save significantly on interest.
Pay upfront to lower your rate. Each point costs 1% of loan amount and typically lowers rate by 0.25%. Worth it if you stay long-term.
Rates fluctuate daily. Monitor trends and lock when rates dip. Your loan officer can help you time it right.
Quick 2-minute form. No credit check to get started. We'll ask about your property, loan needs, and financial situation.
Our experts review your profile and shop multiple lenders to find the best rates and terms for your unique situation.
Most borrowers get pre-approved in 24 hours and close in 30-45 days. We handle the details so you can focus on what matters.
"I was nervous about buying my first home, but Safeguard walked me through every step. Got an FHA loan with just 3.5% down and closed in 35 days. Now I'm a homeowner!"
FHA Purchase Loan
"Rates dropped and I had no idea how much I was overpaying. Safeguard found me a rate 1.5% lower than my old mortgage. That's almost $5,000 a year back in my pocket!"
Saved: $412/month
"Needed $50K for a kitchen remodel. Got a HELOC at 6.5%—way better than a personal loan or credit card. The process was fast and the rate was fantastic."
HELOC - $50,000
"As a real estate investor, qualifying based on rental income instead of W-2s was a game-changer. Closed on my 4th property in 30 days. Highly recommend!"
DSCR Investment Loan
"As a veteran, I was able to buy my home with no down payment and no PMI. Safeguard made sure I got every benefit I earned. Proud homeowner now!"
VA Purchase Loan
"Consolidated $35K in credit card debt with a cash-out refinance. My mortgage payment only went up $180/month, but I'm saving over $700/month total. Life-changing!"
Saved: $700/month total
It depends on the loan type. FHA loans require as little as 3.5%, conventional loans can go as low as 3%, VA and USDA loans offer 0% down, and investment properties typically require 15-25%. We'll help you find the best option for your situation.
Minimum scores vary by loan type: FHA (580), Conventional (620), VA (580-620), USDA (640). However, higher scores get better rates. We work with borrowers across the credit spectrum and can help improve your score if needed.
Most purchase loans close in 30-45 days. Refinances can be faster—often 20-30 days. Pre-approval typically takes 24-48 hours. Timeline depends on property type, loan complexity, and how quickly you provide documentation.
Absolutely! Self-employed borrowers typically need 2 years of tax returns and may need higher credit scores. We also offer bank statement loans and other alternative documentation programs for business owners and freelancers.
If current rates are at least 0.5% lower than your rate, refinancing typically makes sense. Consider your break-even point (how long to recoup closing costs) and how long you plan to stay in the home. We can run the numbers for you.
Pre-qualification is a quick estimate based on self-reported information. Pre-approval involves a credit check and document verification, giving you a conditional commitment letter. Sellers take pre-approval much more seriously.
Yes! We offer DSCR loans that qualify you based on the property's rental income, not your personal income. Typically require 15-25% down. Perfect for building a rental portfolio or house-hacking.
Closing costs typically range from 3-6% of the loan amount and include appraisal, title insurance, origination fees, and prepaid taxes/insurance. Some programs allow seller credits or lender credits to reduce your out-of-pocket costs.
No! Our initial rate check is a soft inquiry that doesn't affect your credit. When you officially apply, there's a hard inquiry, but multiple mortgage inquiries within 45 days count as one, so shop around without worry.
Yes! A HELOC is a second mortgage that lets you tap equity while keeping your existing first mortgage. Great if you have a low rate you don't want to lose. Alternatively, a cash-out refinance replaces your current mortgage entirely.
You can still qualify! Waiting periods vary: FHA allows 2 years after bankruptcy/3 years after foreclosure, conventional requires 4/7 years. We have specialized programs that may allow shorter waiting periods with strong compensating factors.
Yes! We offer jumbo loans for amounts exceeding conforming limits ($766,550 in most areas). Typically require 10-20% down, credit scores of 700+, and lower DTI ratios. Competitive rates for high-value properties.
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