Coast to Coast. Every Mortgage. Every Dream.
What Would You Like to Do?
Assume
Take Over a 2–4% Rate. Save Hundreds Every Month.
Purchase
With Conventional, FHA, USDA, VA & Jumbo Programs.
Refinance
Find Out How Much You Can Save.
Construction & Renovation
Build Your Dream Home. Low Down Payment.
Reverse
Keep Your Home. Eliminate the Payment.
Assumption Gap Loans, Second Mortgages & HELOCs
Let Us Find the Right Program for You.
DSCR & Investment
Qualify on Rental Income. Build Your Portfolio Faster.
Commercial
Multi-Family, Mixed-Use, Office & Retail Financing
Hard Money
Fast Funding for Flips, Rehabs & Bridge Loans.
EVERY MORTGAGE TYPE
The Right Loan for Every Borrower.
From first-time buyers to seasoned investors — Dan Frey has the program, the expertise, and the reach to make it happen nationwide.
Assumable Mortgages
Assume a Rate as Low as 2–4%.
An assumable mortgage lets you take over the seller's existing loan — including their interest rate. In today's high-rate environment, this can mean saving hundreds of dollars every single month compared to a new loan. Dan Frey is one of America's leading assumable mortgage experts, having closed more assumption transactions than virtually any other loan officer in the country.
Save $300–$800/month vs. a new loan at today's rates.
Purchase Loans
Every Program. Every Buyer.
Whether you're a first-time buyer or moving up to your forever home, Dan offers the full spectrum of purchase programs — Conventional, FHA, VA, USDA, and Jumbo. With access to hundreds of lenders and licensed nationwide, Dan finds the program that fits your situation, not the other way around.
Down payments as low as 0% with VA and USDA programs.
Refinance
Lower Your Rate. Free Up Cash. Shorten Your Term.
A refinance can dramatically change your financial picture. Whether you want to reduce your monthly payment, tap into your home's equity, or pay off your loan faster, Dan analyzes your current loan against today's market to find the refinance strategy that puts the most money back in your pocket.
Potentially save tens of thousands over the life of your loan.
Construction & Renovation
Build From the Ground Up. One Loan. One Close.
Dan's one-time close construction loans let you finance the build and the permanent mortgage in a single transaction — meaning one set of closing costs, one appraisal, and one approval. Renovation loans let you purchase or refinance and roll the cost of improvements into the loan, so you can transform a property without draining your savings.
One-time close means no second appraisal or second set of fees.
Reverse Mortgages
Stay in Your Home. Eliminate the Payment.
A reverse mortgage allows homeowners 62 and older to convert a portion of their home equity into tax-free cash — with no required monthly mortgage payment. You remain on title, you stay in your home, and you use the equity you've spent decades building. Dan structures reverse mortgages with care and transparency so families can make confident, informed decisions.
Eliminate your mortgage payment and access your equity tax-free.
Gap Loans, Second Mortgages & HELOCs
Bridge the Gap. Unlock Your Equity.
Assumption gap loans solve one of the biggest challenges in assumable mortgage transactions — covering the difference between the seller's loan balance and the purchase price. Dan also structures second mortgages and HELOCs for homeowners who want to access equity for renovations, debt consolidation, or investment without touching their first mortgage.
Access your equity without refinancing your existing low rate.
DSCR & Investment Loans
Qualify on Rental Income. No W-2 Required.
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors who want to qualify based on a property's rental income rather than personal income. No tax returns, no W-2s, no employment verification. If the property cash flows, you qualify. Dan helps investors scale their portfolios faster with DSCR programs available nationwide.
Qualify based on the property's income — not yours.
Commercial Real Estate
Multi-Family. Mixed-Use. Office. Retail.
Commercial real estate financing requires a lender who understands the asset class. Dan structures loans for multi-family properties (5+ units), mixed-use buildings, office, retail, and industrial properties. Whether you're acquiring, refinancing, or pulling cash out of a commercial asset, Dan connects you with the right capital source for the deal.
Financing for 5+ unit multifamily, office, retail, and mixed-use.
Hard Money Loans
Fast Capital. No Red Tape. Close in Days.
Hard money loans are asset-based, short-term financing solutions for investors who need to move fast. Ideal for fix-and-flip projects, bridge financing, or situations where traditional lending timelines won't work. Dan's hard money network can fund deals in days, not weeks — so you never lose a deal because of slow financing.
Close in as little as 5–7 business days.
WHY DAN FREY
We Make it Happen.
Dan Frey and team bring decades of expertise to every loan. Whether you're buying your first home, refinancing, or building your portfolio — we have the programs and the people to get you there.
GET STARTED