Homeownership Education.
Mortgage Advising.
Trusted Guidance Since 1998.
Educational planning and purchase consultation for homeowners and homebuyers in Florida, Oregon, and Washington.
Request a Free Consultation
No obligation. No impact to your credit. A real human reviews every request.
27+
Years Experience
3,000+
Families Helped
FL · OR · WA
Licensed In
Under 15 Days
Avg. Closing Time
Wholesale
Mortgage Access
Mortgage Savings Calculator
See how much you could save
Estimate your monthly savings, cash-out potential, and lifetime interest savings with wholesale pricing.
Loan Programs
A loan program for every borrower
From first-time buyers to retirees, we shop wholesale lenders to match you with the right loan.
Purchase Loans
Competitive wholesale rates for first-time and move-up buyers.
Learn moreFHA Loans
As little as 3.5% down with flexible credit requirements.
Learn moreVA Loans
$0 down, no PMI, and unbeatable rates for veterans.
Learn moreRefinancing
Reduce your payment or shorten your term with wholesale pricing.
Learn moreCash-Out Refinancing
Turn home equity into cash for renovations or investments.
Learn moreJumbo Loans
Financing above conforming limits with white-glove service.
Learn moreSelf-Employed Borrowers
Bank statement and alternative income programs for business owners.
Learn moreReverse Mortgages
Convert equity into tax-free income for homeowners 62+.
Learn moreWhy Choose Partners Elite
Partners Elite vs. a Retail Bank
A retail bank sells one set of products. We shop dozens of wholesale lenders to win you the best deal.
Testimonials
Trusted by 3,000+ families
"Michael found us a rate nearly a full point lower than our bank quoted. We closed in 12 days. Absolutely seamless."
Sarah & James M.
St. Augustine, FL
"As a veteran, the VA process can be confusing. Partners Elite handled everything and got me $0 down with an incredible rate."
Robert T.
Portland, OR
"We're self-employed and got turned down twice elsewhere. Michael's bank statement program got us approved fast."
Linda & Carlos R.
Seattle, WA
"The reverse mortgage gave us peace of mind in retirement. Michael explained every detail with patience and care."
Margaret H.
Jacksonville, FL
Recent Closings
Real results for real borrowers
A sample of recent transactions across Florida, Oregon, and Washington.
$485,000
$640,000
$520,000
$398,000
$312,000
$1,250,000
Apply Today
Start your application in minutes
Begin your secure mortgage application or request a free, no-obligation rate quote. A real loan officer—Michael Callaham Jr.—reviews every request personally.
- No impact to your credit to get a quote
- Pre-approval letters for serious buyers
- Bank statement options for the self-employed
- Dedicated support from start to closing
Request a Free Rate Quote
Tell us a little about your goals and we'll get right back to you.