About Me

For over a decade, I’ve worked at the intersection of real estate, finance, and entrepreneurship. As a licensed mortgage broker and real estate broker I understand the challenges borrowers face when traditional lenders can’t see the full picture. Whether you’re self-employed, buying your first home, or investing in property, I bring creative, compliant lending solutions that fit your life, not just a spreadsheet. My mission is simple: to get you into your home with confidence, clarity, and the best terms possible. When I’m not helping clients close on their dream homes, you’ll probably find me spending time with my daughter, exploring new places, or brainstorming ways to make the mortgage process just a little more human.
I'm looking forward to helping you.
-Brian

Personal NMLS #1156484
McHugh, Brian, D NMLS #2720020.

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FAQs

Mortgage questions, answered simply

We are often asked...

Which documents are required to apply?

The best thing to do is call or email me so we can talk through your situation, your goals, and what you’re trying to accomplish. Once I understand the basics, I can put together a personalized financial plan that fits your needs and helps maximize the loan amount that makes the most sense for your future.
In most cases, you’ll need:
‍Recent pay stubs (last 30 days)
‍W-2s or tax returns (last 2 years)
‍Bank statements (most recent 2 months)
‍Valid state-issued ID
‍Additional documentation may be required depending on your income type, employment, credit profile, and the loan program you’re applying for.
I'm looking forward to talking with you! (339) 368-0712 - Brian McHugh

How long does approval take?

Approvals take up to 24 hours, depending on your application and how quickly you provide documents. Delays may occur if information is missing. I try to get them out day I receive them!

Is pre-approval available before searching?

Yes, pre-approval is recommended. It helps define your budget and shows sellers you’re prepared.

What loan types can I choose from?

We offer a full spectrum of home financing options, including Conventional loans with terms from 15 to 30 years and no PMI options, government-backed FHA loans (with low down payments) and VA loans (with 0% down for eligible veterans and no monthly mortgage insurance). For higher-value properties, we provide competitive Jumbo loans, including fixed-rate and ARM options, and specialized bank-statement programs. We also focus on First-Time Homebuyer Programs, offering low down payment options and reduced mortgage insurance costs to help you achieve homeownership.

Beyond home purchases, we offer Refinance Options (Rate & Term, Cash-out, and streamlined programs), and flexible solutions like HELOCs, Home Equity Loans, and Secure Second Mortgages to help you access cash without altering your existing first mortgage. For unique situations, we have a variety of Specialty Programs, including temporary buydowns, investment property loans, self-employed-friendly financing, and options for non-warrantable condos. The right choice is always determined by your income, down payment, credit profile, budget, and long-term financial plan—we will review your full scenario and match you with the best available program. Call to discuss!

How do we get started?

Getting started is easy! Simply reach out to us through our website contact form,
email TheBrianMcHugh@gmail.com, or by giving us a call (339)368-0712.
We'll schedule an initial consultation to discuss your Goals!