I'm Ben Duran — a mortgage broker, not a bank. 50+ wholesale lenders compete for your loan, and I pre-underwrite your file so your offer actually gets taken seriously. In English o en Español.
First home or forever home — get a pre-approval sellers respect.
Start →Lower your rate, drop your payment, or pull cash out of your equity.
Start →HELOCs and home equity loans — cash when you need it, on your terms.
Start →DSCR, fix & flip, multi-unit, and commercial property financing.
Start →Most lenders hand you a letter based on a 10-minute conversation. I actually underwrite your file up front — so when you make an offer, it holds.
A real 15-minute conversation about your goals, income, and timeline. English o en Español.
Secure document upload. I review income, credit, and assets the way an underwriter will — before you shop.
Your file goes out to 50+ wholesale lenders. They fight for your business; you get the winning terms.
An offer-ready, pre-underwritten file means fewer surprises, fewer conditions, and a faster clear-to-close.
In a competitive market, a pre-underwritten buyer looks almost as strong as a cash buyer. Listing agents know the difference — and so do sellers.
Because I'm a broker — not a bank — I'm not limited to one shelf of products. If a loan exists, I can probably find it.
Conventional, FHA, and VA options for buying with competitive terms.
Read the guide → RefiLower your rate, shorten your term, or access your home's equity.
Read the guide → FHALow down payment options perfect for first-time homebuyers.
Read the guide → VAZero down payment loans for eligible veterans and service members.
Read the guide → InvestorDSCR and rental financing to grow your real estate portfolio.
Read the guide → JumboLarge loan amounts for luxury homes and high-cost areas.
Read the guide → CommercialOffice, retail, mixed-use, and multi-unit business property financing.
Read the guide → Fix & FlipShort-term financing to purchase, renovate, and resell properties.
Read the guide →Illustrative numbers only — not a quote, rate offer, or approval. Your actual rate and payment depend on your full financial picture.
⚡ Rates change daily — text me for today's real pricing
I've helped hundreds of families and investors get financed — first homes, refis, rental portfolios, and commercial deals. My approach is simple: no runaround, no jargon, no surprises at the closing table.
As a broker in the wholesale channel, I shop your loan across 50+ lenders instead of forcing you into one bank's products. And because I serve clients in English and Spanish, nothing gets lost in translation — sí, hablo español.
New videos every week on YouTube · @benmortgages
"Excellent service and communication from start to finish. Would definitely recommend!"
"Ben does business the right way. Quick, simple, and straight to the point. Highly recommend him for any future purchases or business of any kind!"
"Very personable, knowledgeable and trustworthy!"
"Ben was so nice to work with. He was very patient and spent a lot of time with us!"
"Talked to Ben on the phone, he was really helpful and patient. Took time to explain things. Overall great experience, would recommend."
"Ben was very patient and did everything he needed to do to get me to my price. He has excellent customer service skills!"
The same straight talk from the channel, in writing — guides free to read, worksheets free to download.
A free fill-in-the-blank PDF — find the payment you can actually live with, in three steps. More tools in the library.
Everything you need to know about buying your first home — or your next one.
Read → Refinance · 5 minWhen refinancing makes sense, and how much you could actually save.
Read → FHA · 5 minLow down payments and flexible credit requirements, explained.
Read → VA · 5 minZero down, no PMI, and competitive terms for veterans and service members.
Read →15 minutes, no obligation, no pressure. I'll tell you exactly where you stand and what your options are — even if the honest answer is "wait six months."
