At Catalyst, we like to be transparent. We tell you right up front how the mortgage business works – and why that information is important to you.

For example, did you know that most people actually qualify for lower mortgage rates than lenders offer them? That’s right. If you’ve been quoted a rate for a home purchase or refinance, you probably qualify for a lower rate! So why do lenders offer you a higher rate? Simple: to make extra profit.

We do things differently at Catalyst. We show you our wholesale rate sheet – what we pay for loans. Then we explain how loan pricing works, your options for rates and fees, and why one loan might be better for you than another. Whether it’s a refinance or a new home loan, at Catalyst you’ll get a low rate, low fees and no surprises.

You’ll also get something uncommon these days: real service. We take your loan application over the phone or at our office, so you don’t have to fill out the paperwork yourself if you don’t want to. But, if you prefer to enter the information yourself. Please do. Just know that whenever you have a question, we’re here with the answers you need.