Find the Right Home Loan for You
Get expert guidance and access to over 200 lenders — from zero-down VA loans to flexible FHA and conventional financing.
Loan Program Overview
VA Home Loans
100% financing for eligible veterans
No PMI, competitive rates
Flexible credit & DTI
FHA Loans
3.5% down for qualifying borrowers
Easier credit standards
Great for first-time buyers
Conventional Loans
Strong pricing for top credit profiles
Flexible down payment options (3–20%)
Fixed or adjustable terms
Bank Statement / Self-Employed
Qualify using income deposits
Perfect for business owners or 1099 earners
Bank Statement / Self-Employed
Qualify using income deposits
Perfect for business owners or 1099 earners
HELOC / Home Equity Loans
Tap into your home equity for renovations or consolidation
Keep your current low-rate mortgage
Loan Details
VA Home Loans
No down payment required
No PMI
Flexible credit and DTI
Assumable by future buyers
FHA Loans
3.5% down
Lower credit requirements
Government-backed security
Conventional Loans
Low down payments (as little as 3%)
Great for refinances
Adjustable or fixed terms
Bank Statement Loan
Qualify 12–24 months of bank deposits accepted
No tax returns required
Flexible DTI ratios
HELOC / Home Equity Loans
Access home equity for cash
Interest-only or fixed term options
Your Path to Homeownership
Pre-Qualify
No hard pull, fast estimate
Tailored options with expert guidance
Select Your Loan
Close & Move In
Smooth process with clear communication
Guided by Passion. Driven by Purpose.
Empowering every client with clarity, confidence, and a stress-free mortgage experience.
When I started Mortgages and Investments, my vision was to simplify the lending process for everyone — from first-time homebuyers to seasoned investors. I saw how confusing and impersonal the mortgage world could be, and I wanted to change that.
Today, our mission is simple: to make financing your home or investment property clear, transparent, and empowering. Every client deserves personalized guidance, honest communication, and solutions that truly fit their goals — not just another transaction.
Bradley Hall
Founder & CEO, Mortgages and Investments
What Our Clients Say
First time home buyer here and Brad was so patient with me and my million questions! Not only is he extremely knowledgeable he is quick to respond and won't leave you guessing! Definitely recommended!
Bradley made my relocation from Virginia to Tampa incredibly smooth. From our first conversation, he understood exactly what I was looking for and guided me through every step of the home-buying process with professionalism and care. His knowledge of the Tampa market and commitment to finding the right fit made all the difference. I couldn’t have asked for a better experience — I highly recommend Bradley to anyone looking to buy a home in Florida!
Bradley helped me refinance my short-term rental and the results were incredible. He found a much lower rate that significantly increased my monthly cash flow and made the entire process quick and stress-free. His expertise and communication throughout were top-notch — I’d highly recommend him to any real estate investor looking to maximize returns and improve their portfolio.
Frequently Asked Questions
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate of what you might qualify for based on basic financial details — no documents required.
Pre-approval is a verified review of your income, credit, and assets. It shows sellers you’re a serious buyer and gives you a stronger position when making an offer.
Do you work with first-time homebuyers?
Absolutely! I love helping first-time buyers understand every step of the process. You’ll get guidance on loan options, down payment programs, and how to confidently move from pre-approval to closing.
Can you help if I’m self-employed or an investor?
Yes — that’s one of my specialties. I work with over 200+ lenders who offer programs tailored for self-employed borrowers and real estate investors, including bank statement, DSCR, and no-doc loans.
Do you charge for consultations?
No — all consultations are 100% free. My goal is to help you explore your options, compare rates, and create a financing strategy that fits your goals.
How long does it take to get pre-qualified?
Most clients are pre-qualified in under 24 hours once we have your basic info. It’s fast, simple, and can be done completely online or over the phone.
Ready to Get Started?
We’ll help you find the best loan — with clear guidance every step of the way.
We’ll help you find the best loan — with clear guidance every step
of the way.
We’re here to make financing simple, clear, and stress-free. Our goal is to guide you with honesty, expertise, and personalized solutions that help you move forward with confidence.
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