why choose dwell
If there's a yes out there,
we'll find it.
One bank has one rulebook and one opinion. As a broker I shop your loan across 45+ lending partners, so a no from one of them is the start of the conversation, not the end of your deal.
No credit check to talk. No obligation. Straight answers from a licensed loan officer.
what you get
Six reasons this goes smoother.
Short version: as a broker I work for you, not for one lender’s product shelf.
The loan menu
One application, 45+ lenders
You fill it out once. Your file goes to a roster of lending partners who each want the business, and you see the terms that come back.
- Conventional
- FHA
- VA
- USDA
- Jumbo
When one lender says no
The second opinion, and the third
A decline reflects one lender's guidelines, not your file. Yours moves to the next investor instead of dying on a desk.
- Bank statement
- Asset-based
- Non-QM
- Manual underwrite
- One year of returns
Deals banks pass on
Build it, fix it, rent it out
If your situation doesn't fit the standard W-2 box, that's exactly the kind of loan this is built for.
- DSCR & investor
- Construction
- ADU financing
- Renovation
- Fix & flip
Getting in the door
Low down payment options
The 20 percent rule is a myth for most buyers. Eligibility varies by program, so we check yours before you fall in love with a house.
- Down payment assistance
- CalHFA
- HomeReady
- Home Possible
- FHA
Rate tools
The stuff most buyers never hear about
Lock before you find the house. Capture a lower rate if the market drops after you lock. Ask the seller to fund a temporary buydown.
- Lock n Shop
- Float down
- Temporary buydown
- Lock extensions
- Appraisal waivers
Speed and access
A human who answers
You get my cell, not a call center queue. Your agent gets it too, so nobody is guessing where the file stands the week of closing.
- Priority underwriting
- Pre-underwriting review
- Same-day answers
the broker advantage
One bank has one answer.
You’ll have 45.
A bank loan officer is stuck with one set of guidelines and one underwriting opinion. Bring the scenario everybody else got quiet about.
Bring me your scenario →- “Do you do construction loans?”Yes.
- “Can I get a HELOC quickly?”Yes.
- “I'm self-employed with one year of returns.”Yes.
- “My VA loan was declined somewhere else.”Yes.
your team
Your agent and your lender, actually talking.
Most deals wobble in the gap between the two. There isn’t one here.
Your agent
Adriana Espinosa
Adriana explains the market clearly and builds the strategy around what you actually want, without pressure. The prep work happens up front, so nothing about the negotiation gets improvised. She lives in El Dorado Hills and works throughout the greater Sacramento region, also serving Roseville, Rocklin and Loomis.
916-260-0762adriana@adrianaespinosa.com@espinosaknowsVisit Adriana’s site →
Adriana Espinosa and Kyle Butterfield are independent professionals at separate companies. Prime Real Estate is not affiliated with Dwell Mortgage LLC. You are never required to use Kyle Butterfield or Dwell Mortgage LLC to buy a home, and you are free to shop for the mortgage provider of your choice. No fee is paid to anyone for referring you.
your move
Fifteen minutes gets you real numbers.
Tell me what you’re trying to do and I’ll tell you what I see: what fits, what doesn’t, and what to fix first.
Call or text 916.571.6917kyle@dwellmtg.com
No credit check to talk. No obligation. Pre-qualification is subject to verification of your information.