Mortgages aren't one lender's opinion.
One lender can give you one answer. I have access to 200+ lenders and nearly two decades of experience finding solutions other people miss.
No credit pull. No obligation. Just a conversation.
One borrower. A lot more options.
Banks and direct lenders offer the products they have. As a broker, I can shop across a large wholesale lender network to find the lender and program that makes the most sense for you.
Your loan doesn't have to be complicated to benefit from having more options.
The loans other people send back.
Some loans are easy. Some need someone who knows where to look.
- Self-employed & variable income
- Investment properties
- Bank statements & cash flow loans
- Complex credit situations
- Property condition challenges
- Previous lender denials
Inside the file
Three weeks from closing.
The lender said no.
Mortgage help that reaches beyond state lines.
My home base is Charlotte, but my network reaches across the country. If I can handle your loan directly, I will. If your situation needs a different path, I'll help you figure out the next move.
Wherever you are, start with the question. We'll figure out the best path from there. Buying around home base? Start with the Charlotte mortgage broker page.
free mortgage education. no sales pitch.
Mortgage advice shouldn't require a sales pitch.
MortgageU is where I break down how mortgages actually work using real numbers, real scenarios, and nearly two decades of experience originating loans.
Rates, closing costs, credit, underwriting, loan programs, investing, weird scenarios — the stuff borrowers are usually expected to understand without anyone ever actually explaining it.
Ask a question, read the explainers, run through the Mortgage Labs, or just lurk and learn. It's free, and if your situation eventually requires more than an answer, we'll figure out the next step.
Recent explainers:
Questions that come up over and over:
- ▲Is this actually a good mortgage deal?
- ▲I was turned down by another lender. Does that mean I can't get a mortgage?
- ▲I'm self-employed. How is my income calculated?
- ▲Should I pay points to get a lower rate?
- ▲Why is my mortgage credit score different from Credit Karma?
- ▲What is a DSCR loan and when does it make sense?
- ▲Can I use the equity in my current house to buy another property?
- ▲How do student loans affect what I qualify for?
meet jason
I've been doing this a long time.
I'm Jason Andrews. I've spent nearly two decades in the mortgage business helping people navigate everything from straightforward home loans to situations other lenders couldn't figure out.
Along the way, I learned that mortgages aren't nearly as complicated as this industry sometimes makes them sound. People usually just need someone willing to explain the numbers, show them their options, and give them a straight answer.
That's what LoanManGuy is about. More options when you need a loan. Straight answers when you just need some help. And enough experience to know the difference.
More About Jason →Great mortgage broker!
Jason helped us get our loan in less than 2 weeks so we could have a quick closing. He was quick to respond to all our questions and even came to the closing to make sure everything went through. I would use him again for sure!
Incredible
Jason was incredibly responsive and made the process a breeze. His knowledge and experience was unmatched, and he had access to products that beat traditional banks hands down. We needed to close in 3 weeks and Jason made it happen. …
Excellent experience!
I just closed on my refi for my rental investment property. From the get go Jason was quick to respond, professional, and extremely easy to work with — not to mention I'm located in California (3 hour time difference). …
Great Experience
Jason did a wonderful job in helping to find the right mortgage for me. As a first time home buyer there was a lot I did not know. Jason was able to answer all of my questions and ease any concerns I may have had. …
Jason Andrews
Jason was awesome in helping my wife and I secure a mortgage loan. Start to finish in 3 weeks time. He was always available and made the process flow so easy. Definitely a top notch Loan Officer who I highly recommend.
Best of the best!
My wife and I were unsure about refinancing our home loan because we had no idea where to even begin. We reached out to Jason and his team and they absolutely blew our expectations out of the water. …
Extremely Helpful and Responsive
Jason was unbelievably responsive from the initial inquiry to after the paperwork was signed and processed. He took the time to explain multiple options and even the time to break it all down so it made sense to me — the layman who is not a part of his world. …
Laid out every option in detail
After owning our home for only a year we assumed it was a long shot to refinance into a better rate. We called Jason and in no time at all had multiple options that we could move forward with. …
Top 1% Loan Originator for a reason
Jason has proven to be nothing short of exemplary through the entire loan process to closing, and even after. I would, without hesitation, recommend Jason to anyone who is currently or plans to look for a new home who will need a loan. …
Great rates, clear communication, speedy close!
Worked with Jason Andrews to get financing on our new home. I did a ton of shopping around for rates, and no one could touch the rate and fees I was getting from him. …
Reviews shown are from Jason's Zillow profile, where you can read all 30.
the questions I get every week
Straight answers, no pitch.
Honest answers to common mortgage questions.
Explore All Answers →What is a DSCR loan and when does it make sense?
A DSCR loan qualifies an investment property on the rent it brings in rather than your personal income — no tax returns, no W-2s, no debt-to-income calculation. It makes sense when your tax returns understate what you actually earn, when you already have several financed properties, or when you want to keep scaling without your personal DTI capping you.
I was turned down by another lender. Does that mean I can't get a mortgage?
Usually not. “You don't qualify” most often means “you don't qualify for the options that lender looked at.” As a broker I have access to more than 200 lenders with different programs and guidelines. A denial is a reason to get a second look, not a verdict.
How is my income calculated if I'm self-employed?
It depends on the program. Conventional lenders use your tax returns and add back certain deductions. Bank statement programs use 12 or 24 months of deposits instead, which usually shows a much higher qualifying income for business owners who write off aggressively. Which one is right depends on your returns — I'll run both.
What's the difference between the interest rate and APR?
The rate determines your payment. The APR folds the lender's cost of credit into a single annualized number so you can compare offers. Two lenders can quote the same rate with very different APRs, and the lower APR isn't automatically the better deal — it depends on how long you'll actually keep the loan.
Should I pay points to get a lower rate?
Only if you'll keep the loan past the break-even. Divide what the points cost by the monthly savings and you get the number of months it takes to get your money back. Keep the loan longer than that and points win; sell or refinance sooner and they don't.
See what you actually qualify for
Three quick questions. No credit pull, no obligation, and it doesn't go on your record.
Ready to get started? Skip the questions and start the secure application — it takes about 15 minutes, and it's the same form we'll need later anyway.
Prefer to just talk? Call or text (704) 287-8746.