Finance Your Home with Confidence
I help people become homeowners and get the most financial benefits out of already being homeowners. Home loans designed just for YOU.
Simple Process
Honest & Open Communication
Award Winning Team
I'm so glad you're here!
Meet Ross Worthington
NMLS #130388
It gives me great joy helping people accomplish their homeownership and financial goals. More than ever, in today’s market, it matters who you work with. Having been in the industry since 2003 I’ve come across and helped my clients with about any scenario imaginable. I utilize that experience and knowledge to help my clients make informed decisions they can feel confident about. My commitment is to educate, guide, & direct my clients in a way that is customized to their needs & goals instead of a one size fits all approach. I’ve been married to my much better half for 20 years and have 3 amazing daughters, 2 of which are heading off to college and our youngest still in high school. I enjoy golfing and love adventure in the mountains and outdoors.
I'm Here to Help
Home Financing Options for Every Season of Life
Home Purchase
Customized mortgage plan
Lifelong mortgage assistance
Faster turnarounds
Home Refinance
Consolidate debt
Fund home renovations
Reduce your mortgage payment
Solar & Smart Home
Consolidate debt
Fund home renovations
Reduce your mortgage payment
Home Financing can be... OVERWHELMING.
Home financing can be overwhelming, especially in the midst of life's hectic pace. But here at our mortgage office, we're more than just a team of experts – we're a group of compassionate individuals who genuinely care about your well-being. We understand that each financial situation is unique, and we're here to offer non-judgmental support and guidance tailored to your needs. Let us be your trusted partners as we navigate through the complexities together, ensuring that you find the best solution for your situation.
I Work on Your Loan
Like It's My Own
Full Transparency
the entire process
Unlike big box banks, credit unions and large online retail shops we leave everything on the table from the start. No hidden fees, no unnecessary charges, no bait and switch tactics.
Closing Guarantee Promise
If we prequalify you for a loan with a Loan Closing Guarantee, we put our money where our mouth is. You'll close as expected. And if you don't?
We'll give $2,500 to you, and $2,500 to the seller.*Make your offer stronger.Make yourself more confident. Get our Loan Closing Guarantee.
*Conditions Apply
Speedy Fast
Closing Times
The only thing better than our impeccable rates is our dedication to the speed. Most loans can be done from application to consummation in less than 30 days and often only take 2-3 weeks.
300 Happy Customers and Counting...
We Love to See Our Clients Win
Frequently Asked Questions
There's no such thing as a bad question!
What are the different types of home loans available?
There are several types of home loans available, including conventional loans, FHA loans, VA loans, and USDA loans. Each has its own eligibility criteria, down payment requirements, and benefits. We can discuss which option best suits your needs during our consultation.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is an initial assessment of your financial situation to estimate how much you may be able to borrow. Pre-approval, on the other hand, involves a more thorough review of your finances by a lender, including verification of income, assets, and credit history. Pre-approval gives you a more accurate idea of the loan amount you qualify for and strengthens your offer when making an offer on a home.
How much of a down payment do I need to buy a home?
The down payment requirement varies depending on the type of loan you choose and your financial situation. Conventional loans typically require a down payment of 3% to 20% of the home's purchase price, while FHA loans may require as little as 3.5% down. VA loans and USDA loans offer 100% financing options for eligible borrowers. We can explore the options available to you based on your circumstances.
What is the difference between a fixed-rate and adjustable-rate mortgage (ARM)?
A fixed-rate mortgage has a constant interest rate and monthly payment throughout the life of the loan, providing predictability and stability. An adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions, which can result in fluctuating monthly payments. We can discuss which type of mortgage aligns best with your financial goals and risk tolerance.
How long does the homebuying process typically take?
The homebuying process can vary depending on various factors such as market conditions, the complexity of the transaction, and individual circumstances. On average, it takes about 30 to 45 days to close on a home after the purchase agreement is signed. However, it's essential to be prepared for potential delays and work closely with your lender and real estate agent to navigate the process smoothly.
What documents do I need to apply for a home loan?
The documentation required for a home loan application typically includes proof of income (such as pay stubs or tax returns), asset statements (such as bank statements), employment verification, identification (such as a driver's license or passport), and information about any debts you owe. We'll guide you through the documentation process and help ensure you have everything you need for a smooth application process.
Start Your Home Financing Journey today!
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PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.
