Buying a Home? Let's Make it Easy.
An Experienced Mortgage Guide to Help You with Your Next Home Loan.
VA Loan Expert
The best loan officer I have ever worked with
20+ years of Experience
He was always available anytime I had questions
Helped Thousands of Homebuyers
He made it very easy
Well Recognized Mentor
The best loan officer I have ever worked with
20+ years of Experience
He was always available anytime I had questions
Helped Thousands of Homebuyers
He made it very easy
The Problem
For many homebuyers, the process of buying a home feels overwhelming, with so many decisions, and no one to guide them.
Taking out a home loan doesn’t have to be difficult or confusing - you just need a trusted guide to help. When you work with Jeff, he remains by your side during the entire process, helping you navigate any obstacles along the way.
It starts with scheduling a call with Jeff.
This isn’t a rookie outfit. With over two decades in the industry, Jeff has seen it all—and knows how to help buyers get through even the most complicated situations. You can rest easy knowing you have an experienced lender on your side.
Other lenders might keep things vague and hide behind small print, but not Jeff. His approach is built around fairness and transparency. You get all your options, cost, and rates delivered upfront in an easy read quote.
You don’t have to limit yourself to one bank or lender’s options. As an Independent Mortgage Broker, Jeff has relationships with over a dozen banks and lenders and has hundreds of loan programs to offer. Jeff finds the loan options that are the best fit for you.
Options Like:
-First Time Home Buyer Programs
-Down Payment Assistance
-Government Loans (VA,FHA, USDA)
-Interest Buy Down Options
-Barndominium Loans
-VA Loans Down with No Credit Score Requirement
What You Can Expect
3 Easy Steps to Start Your Home Loan
1. Schedule a Call
What happens on your call with Jeff? You'll discuss your goals, he'll answer your mortgage questions, and if you're ready, Jeff will outline your next steps in the loan pre-approval process . It's a simple, no-obligation way to get personalized guidance and clarity.
- A 30 Min Call
- We Discuss Your Plans for Your Next Home
- Get a Clear Plan for Buying Your Next Home
2. Complete Application
Easily complete your application on our secure mobile app. We use the latest technology to source many documents for you, reducing your workload so you can get back to your life. And, of course, Jeff is here to support you through this process.
- Use Our Mobile App (est.15 min)
- We'll Verify Income & Assets
- Get Text & Email Updates
3. Get Prequalified
After reviewing your application, Jeff will identify the best loan options for your goals. You'll get a clear breakdown of estimated payments and costs for each, establishing your home search budget and demonstrating your seriousness to sellers – a key step to confidently finding your home.
- Loan Options Made for You
- Get a Full Breakdown of Rates & Cost
- Start Shopping for Your Next Home
Testimonials
Real People, Real Results
Jeff is an exceptional lender to work with!! I noticed right off the bat the way he explained things to my clients and the way he also explained things to me, he is honest and upfront about everything from the very beginning, including any fees or costs our client might have to pay at closing. which made for ZERO surprises come closing day. Jeff is now my go-to guy when recommending a local lender to my clients simply for the reasons I stated above. We have only done one deal together so far, but I look forward to many more!! Thanks again, Jeff!!
Jeffery was great to talk to and answered all my questions. Communication was excellent and felt as though i not only have a great mortgage company but made a friend as well.
Jeff was super attentive and always there for me through the entire process, always available for questions and assistance
Jeff was such a pleasure to work with . He was with us every step of the way, guiding us and keeping us on track. He has the patience of a saint and really cares about his customers! Thank you Jeff!
Jeff was extremely helpful during the entire process.
Jeff is extremely professional every step in the refi process. Great personality, good sense of humor, always very responsive to our requests. We are customers of his forever!
Absolutely call Jeff, he is the best loan officer I have ever worked with & I have financed many homes in my life.
Jeff was amazing, I couldn’t have asked for anything to be done better. He was always available anytime I had questions. [...] Great communication.
Jeff was great throughout the whole process and he made it very easy and was there every step of the way since we started the loan process.
Jeff was prompt with his responses to myself and our clients. Knowledgeable and professional at all times. His guidance and assistance displayed his efforts was always in the best interest of the clients. A pleasure to work with.
Very attentive, I did not have to worry about anything with Jeff. He took care of the customers needs and would give me frequent updates without me needing to ask.
Jeff was very involved and help us get eveything in line for the closing
Loan Options
I Can Help You:
Whether you're looking for more space, a better location, or a place to call your own, I'm here to make your home-buying journey smooth and stress-free.
- Low Down Payment Options
- Monthly Payments Built Around Your Budget
- Credit Scores Accepted Down to 500 Fico
As a veteran or active service member, you've dedicated yourself to serving our country, and now it's my turn to serve you. As a Certified Veterans Lending Specialist I understand all the unique benefits you're entitled to, ensuring you make the most of this well-deserved program. Let me help you navigate the VA loan process with confidence, so you can focus on finding the perfect home for you and your family.
- Certified Veteran Lending Specialist
- Zero Down Payment Loan Options Available
- No Credit Score Requirements
- Flexible Underwriting Allowed to Meet the Need of Active Duty Service Members and Veterans
First-time homebuying doesn't have to feel overwhelming or confusing. I'll be your dedicated guide, breaking down each step into manageable pieces and answering all your questions. You'll feel confident and prepared as we find your perfect first home.
- Low Down Payment & Down Payment Assistance Programs Offered
- Offering Programs with Flexible Underwriting Requirements Designed for First Time Buyers
- State And Local Housing Agency Programs Available
Financial stress shouldn't define your future. I'll help you combine your debts into one manageable monthly payment that gives you room to breathe. Together, we'll create a clear path toward financial freedom that works for your unique situation.
- Eliminate High Interest Credit Card Debt
- Consolidate Multiple Debts into One Easy to Pay Loan Payment
- Options Available with Credit Scores Down to 500
During this sensitive transition, you need clear financial solutions without added stress. I'll help you understand your options for refinancing or buying out your existing mortgage with complete discretion and care. Let's focus on securing your fresh start with confidence.
- Flexible Underwriting Options
- Use Alimony and Child Support for Income Qualifying
- Exclude Certain Marital Debts
- Take Cash Out of the Homes Equity
Sometimes you're not sure what you need - and that's okay too. If you just need to talk through your situation to get some ideas, well, I'm available for that too. Feel free to schedule a free no obligation call to talk through whatever is on your mind.
- Find Out What Options Are Available for Specific Situations
- Get Familiar with the Process
- No Obligation
Helped Thousands of Buyers
Mentoring Homeownership
Meet Jeff
Here to Guide You Home
Buying a home is one of life’s biggest milestones—but let’s be honest, it can also feel like one of the most overwhelming. I know, because for the past 23 years, I’ve walked alongside thousands of families and first-time buyers who were feeling exactly the way you might be feeling right now: excited, hopeful... and more than a little nervous.
That’s why I don’t just think of myself as a mortgage loan officer. I see myself as a guide—someone who knows the terrain, understands the obstacles, and walks with you from start to finish. Whether you’re staring down unfamiliar paperwork or just trying to make sense of your options, I’m here to bring clarity and confidence to the process.
My promise to you is simple: I’ll be your partner, your advocate, and your guide. And together, we’ll make sure your next move is one you can feel good about—for yourself, and your family.
Jeff Rill
Get Answers
FAQ
The best place to start is with a call with me to discuss your plans, goals, and priorities for your next home purchase. From there I can advise on options and further explain the pre-qualification process for your specific situation. You can schedule a call here
-Jeff
Once you complete and submit your online application I can usually get you options within 24hrs.
-Jeff
There is no cost to apply and no obligation to move forward once you've applied. The initial pre-qualification process is all just exploratory.
-Jeff
Yes! I sure do. I have several loan programs designated specifically for first time buyers. These programs often times come with reduced down payment requirements and flexible underwriting terms to favor first time buyers. I have a lot of experience with these options and I look forward to helping you buy your first home.
-Jeff
That's okay - you're allowed to change your mind. Sometimes the timing isn't right. You can always come back when you're ready and we can pick up where we left off.
-Jeff
Yes, I will need to pull your credit to complete a loan pre-qualification. However, in a lot of cases I can complete the pre-qualification with just a soft pull of your credit. And a soft pull wont report as an inquiry on your credit.
-Jeff
It depends. If I do a hard inquiry it will report as a credit inquiry. However, in a lot of cases I can complete a pre-qualification with a soft pull of your credit -which does not report as an inquiry on your credit report. If you're concerned about your credit and the affects of a credit inquiry, just let me know during our initial call and we can discuss how the credit inquiry might affect your credit in your specific situation. In some cases, credit inquires don't have any affect on your credit.
-Jeff
An independent mortgage broker works with multiple lenders to find you the best loan options, while a retail lender (like a bank) offers only their own in-house products. Think of a broker as a personal shopper who compares rates and terms from many sources to match you with the right fit. This often means more choices, potentially better pricing, and a more personalized experience.
-Jeff
Yes! As an independent mortgage broker I'm able to provide very competitive rates. I'm so confident in my rates I have video resources available within the website that show you how to shop and compare loan options between lenders. Transparency and fairness are the cornerstone of what I've built my business on.
-Jeff
-Jeff
Yes! All calls are scheduled directly with me. This includes questions & inquires too. If you apply through this website you'll work directly with me. I look forward to meeting you!
-Jeff
Absolutely! Sometimes the timing just isn't right, and that's okay. The 30 minute call with me can be used to develop a plan, discuss options, run payment scenarios, what ever you need - I'm happy to help.
-Jeff
Contact Jeff
Not Ready For a Call? But Have Questions? Ask Here.
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Work with Jeff
You Don't Have to Go At It Alone.
With Jeff by your side you skip the big bank run-around and get into your next home faster, easier, and with loan terms you can understand.
IMPORTANT DISCLOSURES:
Not all who apply will be approved. This is not a commitment to lend. Products, pricing, and terms discussed within this site are subject to change without notice and may not be available at the time of application.
Jeff Rill (NMLS ID 232219) is a Licensed Loan Officer in the state of Colorado (Lic# 100020501) & South Carolina (MLO – 232219)
For licensing information, please visit: https://www.nmlsconsumeraccess.org
Jeff Rill is employed by Independent Mortgage Brokers, LLC (NMLS 2191655)
Equal Housing Opportunity
