Start with what you're trying to do.
Pick a starting point. I'll help you understand your options.
Buying a home
Where would you like to start?
- Discuss my price range with ShaneShare your income, debts and down payment to discuss a starting price range.
- Compare the programs that fit meExplore FHA, VA, conventional, USDA and jumbo program guides.
- Get properly pre-approvedDocumented and credit-checked, so your offer holds up.
- Ask Shane for a closing-cost estimateShare your purchase plans to discuss lender fees, third-party fees and prepaids.
Refinancing your mortgage
Where would you like to start?
- Understand when refinancing pays offLearn how payment savings and transaction costs affect simple breakeven, and what else to compare.
- Learn about lowering my monthly paymentRead when a different rate or term may lower payments, and the tradeoffs to consider.
- Explore cash-out refinancingLearn how cash-out refinancing replaces a mortgage and what costs and risks to compare.
- Explore refinance loan programsBrowse refinance program guides and related topics.
Using my home equity
Where would you like to start?
- Discuss how much equity I may be able to useShare your home's value, what you owe and your cash needs to discuss possible next steps.
- Explore home-equity financing optionsExplore home-equity program guides and related topics.
- Discuss a lump sum versus a line of creditTell Shane how you plan to use the money to discuss a lump sum or borrowing as needed.
- Understand HELOC payments and feesRead about HELOC draw and repayment periods, payments and fees.
You'll work directly with me.
Shane Milne NMLS 81195.
Originating mortgages since 2002.
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My direct cell, not a queue.
Mortgage experience since 2002. A direct line to me.
I've worked through just about every kind of lending environment, and I know how important it is to catch potential issues early. When you have questions, you can reach me directly.
Shane Milne NMLS 81195PBT Bancorp NMLS 257781
More about ShaneFind your program without learning the whole alphabet first.
See every loan program Investing, construction, non-QM and moreFrom the Learning Center
Explore the Learning Center.
Explore mortgage explanations in the Learning Center. If you have a mortgage question, ask Shane.