Mortgages aren't one lender's opinion.
One lender can give you one answer. I have access to 200+ lenders, nearly two decades in this business, and a pretty good track record of finding answers other people miss.
One borrower. A lot more options.
Banks and direct lenders generally sell what they have. As a broker I can shop across a large wholesale lender network and find the lender and program that actually fits the file.
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.
Licensed in 11. Closing loans in 47.
In the 11 states on my own licence I originate your loan myself. Everywhere else I co-broker — a licensed originator in your state signs the file, I bring the lender access and the structuring, and I stay on it start to finish.
Based in Charlotte, so Union County and south Charlotte are home — start with the Charlotte mortgage broker page if you're buying here. Anywhere else in the country with a complicated file, that's still a call worth making.
free, unbiased, and not a pitch
I answer mortgage questions for people who'll never be my client
For years I ran AMAs on Reddit's mortgage community — threads that pulled thousands of views and hundreds of questions from people all over the country. Then I got removed for “self-promotion,” which was news to me, since I was just answering questions.
So I started my own. r/MortgageU is Mortgage University — a place where me and other originators give straight answers with nothing attached. No lead form, no rate quote, no catch. If you're in one of the 11 states I'm licensed in, great. If you're not, I'll still answer — and if you want to go further, I co-broker with licensed originators in 47 states.
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 originating mortgages, solving loan problems, and learning just how unnecessarily confusing this industry can be.
LoanManGuy is my attempt to do things differently: give people straight answers, explain the numbers, provide access to a ridiculous number of lending options, and help people make better mortgage decisions — even if they never become my client.
More about how I work →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.
More answers at MortgageU →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 apply properly? Skip the questions and start the secure application — about fifteen minutes, and it's the same form we'd fill in together anyway.
Prefer to just talk? Call or text (704) 287-8746.