7-day pre-approval desk
Offers happen after business hours. Reach a real mortgage professional for pre-approval help when timing matters.
See how 7-day help works →Local mortgage experts for agents and home buyers
Local team you know. Fast and competitive. Real people you trust.
Move quickly with a local mortgage team that knows the market, reviews the full file, and answers when it matters. No chatbot runaround. Just experienced people working to get you home.
Service that protects every referral
A real mortgage team from offer through closing, seven days a week.
Online convenience matters. So do the humans reviewing the details, communicating with everyone, and solving problems before they become surprises.
Same-day pre-approvals
Apply online and provide the supporting documents. Team Petros can often complete eligible pre-approval reviews the same day.
See how same-day works →Competitive closing plans
When the loan and file qualify, Team Petros can organize a 14-day closing plan to help strengthen a competitive offer.
Explore the closing plan →Pre-approval and closing timelines are not guaranteed. Timing depends on a complete application and documentation, credit and underwriting review, property eligibility, appraisal, title, and other third-party requirements.
Quick online pre-qualification
- Often based on self-reported numbers
- Key documents may be reviewed later
- Open questions can surface after the offer
Team Petros verified pre-approval
- Full borrower file reviewed by mortgage staff
- Income and assets verified before the letter
- Credit, program fit, and open issues examined early
- Buyer and agent know who stands behind the answer
Built for agents and their clients
The speed agents need. The expertise buyers deserve.
Team Petros gives real-estate agents a responsive mortage partner for fast time-sensitive offers, direct communication, and competitive closing plans. Backed by a full borrower-file review and verified income and assets before the pre-approval is issued.
7 days a weekHuman help when buyers and agents are writing offers.
Same-dayComplete application and documents required.
14-day planFor eligible, fully documented competitive files.
A Team Petros specialty
Compensation includes RSUs? Make the full income story count.
Restricted stock units can be an important part of total compensation. Team Petros helps buyers organize vesting history, current awards, and continuing compensation so the right loan program can evaluate the income correctly.
RSU incomeBonusesVariable compensationJumbo financing
The loans most buyers use
Strong options for first homes, next homes, veterans, and larger loans.
Team Petros does its highest volume in conventional, FHA, VA, and jumbo financing, delivered with fast pre-approval support and proactive communication.
Bridge loans
Buy your next home before your current home sells. Team Petros helps qualified move-up buyers plan the financing, equity, carrying costs, sale timing, and payoff.
- Make a less sale-dependent offer
- Use eligible current-home equity strategically
- Coordinate the purchase, sale, and payoff
Departing residence
Keep your current home. Buy your next. Qualified buyers may be able to use eligible rental income from the departing residence when purchasing a new primary home.
- Turn the current home into a rental
- Review eligible lease and rental income
- Plan the move without selling first
Conventional loans
A flexible mainstream option for primary homes, second homes, and investment properties, with multiple down-payment and mortgage-insurance structures.
- First-time and repeat buyers
- Primary, second-home, and investment use
- Fixed and adjustable-rate options
FHA loans
Government-insured financing that can offer a lower down-payment path and broader credit flexibility for eligible buyers.
- Accessible down-payment structure
- Owner-occupied homes
- Clear property and insurance guidelines
VA loans
A powerful home-loan benefit for eligible veterans, active-duty service members, and qualifying surviving spouses.
- Potential zero-down financing
- No monthly mortgage insurance
- VA expertise for contract and appraisal details
Jumbo loans
Financing designed for loan amounts above standard conforming limits, with careful review of income, reserves, assets, and property.
- Primary and second homes
- Detailed asset and reserve planning
- RSU and variable-compensation review
More ways to qualify when the standard path does not fit.
Flexible programs, often called non-QM loans, may use bank statements, 1099 or profit-and-loss income, eligible assets, or rental-property cash flow instead of a traditional W-2 calculation.
- Bank statement and 1099 options
- Asset-based qualification
- DSCR rental-property loans
Technology plus mortgage IQ
More than an online approval button.
Team Petros combines a clean digital experience with local accountability and a mortgage staff that knows how to read the full file, not just the easy boxes.
The Team Petros modelActual humans
Reach people who can explain the answer, review the nuance, and coordinate with your agent.
High mortgage IQ
We look for a workable path across standard and flexible programs instead of stopping at the first “no.”
Local accountability
Your buyers and referral partners know who owns the next step and where to get an update.
Proactive communication
Clear milestones help you stay ready from pre-approval through closing.
More paths when needed
If the standard route does not fit, keep looking.
Some buyer fit neatly into a standard box. Others need a closer look at self-employed, asset-based, or rental-property income. Both get the same full attention here, no shortcuts either way.
Self-employed buyers
Explore tax-return qualification plus programs that may evaluate bank deposits, 1099 income, or profit-and-loss information.
See self-employed options →Strong assets, less monthly income
Eligible savings, investments, or retirement assets may help demonstrate the capacity to repay in specific programs.
See asset-based options →Rental-property cash flow
Some investor loans qualify primarily from the property’s expected rent rather than personal employment income.
See rental-property options →Common questions
Straight answers before you start.
Can I get mortgage pre-approval help seven days a week?
Yes. 7-day pre-approval support is a core Team Petros service because buyers often tour homes and write offers outside normal business hours. A complete application and supporting documents help the team provide the strongest review.
Can I get pre-approved online the same day?
Yes. With a complete online application and all requested supporting documents, Team Petros can often complete the pre-approval review the same day. Complex files may require additional review time.
Can I keep my current home and buy another primary residence?
Potentially. A departing-residence program may allow a qualified buyer to keep the current home as a rental while purchasing a new primary residence. Eligible rental income, lease documentation, reserves, equity, and program requirements vary.
What is the difference between a pre-qualification and a Team Petros pre-approval?
A quick pre-qualification may rely largely on borrower-reported numbers. Team Petros reviews the full borrower file and verifies income and assets before issuing a pre-approval, so the buyer and real-estate agent can rely on a more carefully supported financing plan.
Can Team Petros close a mortgage in 14 days?
A 14-day closing plan may be available for eligible loans with a complete borrower file, acceptable property, timely appraisal and title work, and satisfied underwriting conditions. Keep in mind it's a plan, not a universal guarantee.
Which mortgage programs does Team Petros handle most often?
Conventional, FHA, VA, and jumbo financing are the core programs. Team Petros also specializes in evaluating RSU, bonus, and variable compensation for eligible conventional and jumbo borrowers.
Does Team Petros offer competitive mortgage rates?
Team Petros evaluates competitive mortgage pricing alongside program fit, points or credits, closing costs, payment, and loan strategy. Actual rates depend on the borrower, property, loan structure, lock period, and current market conditions.
Can self-employed buyers qualify without traditional W-2 income?
Potentially. Depending on the program, qualification may use tax returns, bank deposits, 1099 income, profit-and-loss information, or eligible assets. Team Petros reviews the full situation before recommending a path.
What makes Team Petros different from an online-only lender?
You still get a clean, fast digital process, plus access to local mortgage professionals who can explain decisions, handle complex income, help seven days a week, and communicate directly with your real-estate agent.
Bring us the easy file, or the one that needs real thinking.
Start online, then work with actual people who understand what is at stake.