Home loans, made refreshingly simple.
Low rates, fast pre-approvals, and real humans who pick up the phone. Whether you're buying your first home or refinancing your fifth, we make it easy.
Get your custom quote
No credit impact★ 4.9/5
Average client rating
NMLS #1907432
Licensed & verified
15 min
Average pre-approval
12 states
Licensed to lend
Sample scenarios · June 2026
Sample rates, real transparency
Rates shown are for illustrative purposes only, are not a quote or guarantee, and do not reflect a specific offer. Actual rates depend on credit score, loan amount, loan-to-value, occupancy, and other factors, and change daily. Contact us for a personalized rate quote.
Cleared to close
in 21 days, on average
Why Summit Crest
Big-lender pricing. Local-team care.
A mortgage is the biggest purchase of your life. We treat it that way.
- Same-day pre-approvals — often within hours
- One dedicated loan officer from start to close
- Transparent pricing with no junk fees
- Every loan type under one roof, including non-QM
- On-time closing guarantee on purchases
Loan options
Find the right loan for your goals
From first-time buyers to seasoned investors — explore programs built for every situation.
The Summit Crest difference
Why borrowers switch to us
| Summit Crest | Typical big bank | |
|---|---|---|
| Pre-approval speed | Same day — often hours | 3–7 business days |
| Who you talk to | Your dedicated loan officer | A different rep every call |
| Loan options | Conventional, FHA, VA, USDA, jumbo & non-QM | Limited standard menu |
| Evenings & weekends | We pick up | Voicemail |
| Closing timeline | As fast as 21 days | 45–60 days typical |
How it works
From application to keys in 4 simple steps
- 1
Get pre-approved
Apply online in minutes and get a real pre-approval letter to shop with confidence.
- 2
Find your home
House hunt knowing your exact budget. We coordinate with your real-estate agent.
- 3
Lock & underwrite
Lock your rate, then our team handles the appraisal and underwriting for you.
- 4
Close & celebrate
Sign, fund, and get the keys. We stay in touch long after closing day.
- 4.9/5
- Average client rating
- 15 min
- Minute pre-approvals
- 12
- States licensed
- 17+
- Years lending
Talk to a real loan officer
Licensed experts — not a call center. Average response time: under 10 minutes.
Reviews
Loved by homeowners
“As a first-time buyer, I was nervous about the whole process, but Marcus walked me through every single step with patience and clarity. We got pre-approved in under 24 hours, and the closing went smoother than I ever imagined. Summit Crest genuinely made buying my first home feel exciting instead of stressful.”
“Priya handled our VA loan from start to finish and she was absolutely phenomenal. She understood the unique requirements for veteran benefits and made sure we maximized every dollar. We closed in 28 days and the whole team kept us informed at every turn. Couldn't recommend Summit Crest more highly to any fellow veterans.”
“Devon was our loan officer and he was upfront about rates and fees from day one — no surprises at closing, which I really appreciated. The online portal made uploading documents painless and we always knew exactly where we stood in the process. Summit Crest earned a customer for life.”
Resources
Mortgage tips & guides
Frequently asked questions
How much do I need for a down payment?
It depends on the loan. Conventional loans can start at 3% down, FHA at 3.5%, and VA and USDA loans offer $0 down for eligible borrowers. We will help you find the lowest-down option you qualify for.
How fast can I get pre-approved?
Most borrowers receive a pre-approval within the same business day after submitting a complete application. Getting started takes just a few minutes and does not impact your credit score.
What credit score do I need?
Many of our programs accept scores starting at 580 (FHA), and some non-QM and investor options are even more flexible. Higher scores unlock better pricing — we will show you exactly where you stand.
Which states do you lend in?
We are currently licensed in 12 states: Texas, California, Florida, Arizona, Colorado, Georgia, North Carolina, Tennessee, Washington, Oregon, Nevada, Utah.
Your new home is closer than you think
Get pre-approved today — it only takes a few minutes and won't affect your credit.