Straight answers to the questions borrowers and Realtors ask most.
A free, no-obligation consultation where Gerald reviews your situation — your income, credit, documentation, and goals — and gives you a straight answer about where your file stands. No pitch. No pressure. Just an honest assessment.
Yes. A denial from one lender is not the final word. Gerald reviews the denial reason, the file specifics, and identifies whether a real path forward exists — and what it would take.
For standard reviews, within one business day. For Deal Rescue situations — files at risk of falling apart — Gerald reviews within 24 hours.
Self-employed income is one of our specialties. We know how to read 1099s, K-1s, and business returns the way an underwriter actually will. Many self-employed borrowers who were told they couldn't qualify simply had their income calculated wrong.
Gerald Green is licensed in New Jersey. NMLS #216652. Licensing information is available at nmlsconsumeraccess.org.
Book a time directly on our Calendly. For pre-contract buyer reviews or deal rescue situations, we prioritize fast turnaround so you can keep your deal moving. We also do pre-screening reviews before clients are under contract so you're not surprised at closing.
The Deal Rescue Desk is for files that are stuck, denied, delayed, or at risk of falling apart. Gerald reviews the situation within 24 hours and gives you a straight answer about what options remain and how fast we can move.
No. The 15-minute mortgage review is completely free with no obligation to move forward. The goal is to give you a real answer about your file — whether that answer involves working with LoanXpress or not.
Mortgage rates move with the bond market, not the Fed's headline rate — they mainly track the 10-year Treasury yield and mortgage-backed securities, which react to inflation data, employment reports, and investor expectations. On top of that broader market, your personal rate is shaped by your credit score, down payment, loan type, debt-to-income ratio, and the property itself. That's why two borrowers can get quoted different rates on the same day. Rates can also shift daily — sometimes multiple times a day — which is why Gerald locks in a rate once you're ready rather than leaving it floating.
Your credit score affects both whether you qualify and what rate you're offered. Higher scores typically mean lower interest rates and lower monthly mortgage insurance costs, while lower scores can still qualify — especially for FHA loans — but usually come with a higher rate. Score requirements vary by loan type: conventional loans generally start around 620, FHA can go as low as 580 (or 500 with a larger down payment), and VA loans have no official minimum. Gerald reviews your credit report as part of the free review to flag anything that could be fixed quickly before you apply.
LoanXpress works with Conventional, FHA, VA, Jumbo, Investment Property, and DSCR loans — covering everything from first-time buyers to self-employed borrowers to real estate investors. Every situation is different, so Gerald matches you to the loan type that actually fits your credit, income, and goals rather than pushing one product. See the full breakdown on the Loan Types page →.