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Personalized mortgage solutions with access to 150+ lenders — designed to move you forward with clarity and confidence.

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Bola Mories, Mortgage Loan Officer
Bola Mories
Loan Officer · NMLS #2437072
Licensed in CA, FL, TX & TN Wholesale access to 150+ lenders Fast approvals · No hidden fees
150+LENDER NETWORK
4STATES LICENSED
100%TRANSPARENT
10LOAN PROGRAMS
✨
Ask Zeecapital AI
Instant answers about loan programs, rates & the process — available 24/7.
What we do

Loan solutions for every goal

Whether you're buying your first home, refinancing, or investing — there's a path built for you.

🏡

First-Time Buyers

Down payment assistance, CalHFA, and first-time programs that make ownership reachable.

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🏦

Conventional Loans

Flexible, competitive financing for qualified buyers — with as little as 3–5% down.

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🔄

Refinancing

Lower your payment, tap equity, or shorten your term with the right refinance strategy.

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📈

Investor & DSCR

DSCR, bank statement, fix-and-flip, and investor loans for building your portfolio.

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🎖️

FHA & VA

Government-backed options with flexible qualifying and competitive terms.

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💎

Jumbo Loans

Financing for higher-value homes with tailored structures and smart guidance.

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📄

Bank Statement Loans

Built for self-employed borrowers — qualify using bank deposits instead of tax returns.

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🏬

Commercial Loans

Financing for multifamily, mixed-use, and commercial properties — structured around your goals.

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📊

Credit Strategy

Practical tips to strengthen your profile before you apply — at no cost.

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How it works

A clear path to closing

1

Consultation

We talk goals and map your options.

2

Application

Quick, guided, and fully digital.

3

Pre-Approval

Shop with real buying power.

4

Processing

We handle the heavy lifting.

5

Closing

Keys in hand. Congratulations!

Client stories

Trusted by homeowners

Real feedback from people who closed with confidence.

★★★★★

"Bola was amazing — he really did everything possible to make my dream come true. Thank you Bola for your hard work, wish you the best 👌"

Sameh HanaMortgage client
★★★★★

"This property had a tough journey — twice the previous lenders failed to complete escrow. Then Bola came in, worked his magic, funded the loan and closed escrow smoothly in just 28 days. Amazing job!"

Sunny SinghInvestment property
★★★★★

"Bola was indispensable on a challenging second-lien DSCR investment loan. He guided me step by step — even while I was overseas — through a smooth virtual closing. A trusted partner in any loan."

Roumani MousaDSCR investor
★★★★★

"Bola is very helpful and hardworking. You'd be lucky to work with him to get you your dream home 🙏"

Mark ShenoudaHomebuyer
Plan with confidence

Mortgage calculators

Run the numbers instantly. Everything stays on your screen — nothing is saved or shared.

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Estimates for educational purposes only. Principal & interest savings exclude taxes, insurance, and escrow. PMI is an estimate and varies by credit and loan type. Actual figures depend on credit, property, and final loan terms. Not a commitment to lend. All loans subject to credit approval.

Answers

Frequently asked questions

Straight answers to what we hear most. Still stuck? Ask Zeecapital AI or book a call.

What's the difference between an FHA and a conventional loan?
FHA loans are government-backed with flexible credit and down payments as low as 3.5% — a great fit if your credit or savings are still building. Conventional loans typically want slightly stronger credit but can drop mortgage insurance at 20% down and often cost less over time. Bola can compare both side by side for your situation.
What credit score do I need to buy a home?
It varies by program — FHA can work with lower scores, conventional generally wants a bit more, and stronger credit earns better terms. Even if your credit isn't perfect there are options, plus a free credit-strategy review to help you improve before you apply.
How much do I need for a down payment?
Often less than people think. FHA starts at 3.5% down, many conventional loans at 3–5%, and VA and certain programs as low as 0%. First-time buyers may also qualify for down-payment-assistance programs like CalHFA.
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies you on the property's rental income instead of your personal income — ideal for investors. Lenders compare rent to the mortgage payment; many look for a ratio around 1.0 or higher. You can model it in the Investment Analyzer.
Can I get a mortgage if I'm self-employed?
Yes. Bank statement loans let self-employed and 1099 borrowers qualify using 12–24 months of bank deposits instead of tax returns — which often means qualifying for more. Try the Bank Statement calculator to estimate your income.
Do you offer VA loans?
Yes. VA loans help eligible veterans, active-duty service members, and some surviving spouses buy with often 0% down, no monthly mortgage insurance, and competitive terms. If you may qualify, Bola can help you use your benefit.
What is a jumbo loan?
A jumbo loan finances amounts above the conforming limit — used for higher-value homes. They usually require stronger credit and reserves. With access to 150+ lenders, Bola can find competitive jumbo options.
Are there first-time homebuyer programs?
Absolutely. First-time buyers can use low-down FHA and conventional loans plus assistance programs such as CalHFA. Eligibility depends on your income and area — Bola can check which programs fit you.
Should I refinance?
Refinancing can lower your payment, shorten your term, or let you tap equity with a cash-out. Whether it makes sense depends on your current rate, balance, and how long you'll stay — the Refinance calculator shows your break-even in seconds.
What is PMI or mortgage insurance?
Mortgage insurance protects the lender when your down payment is under 20%. Conventional loans use PMI (which can fall off later as you build equity); FHA loans use MIP. Putting 20% down or choosing the right program can reduce or avoid it.
What are closing costs?
Closing costs typically run a few percent of the loan and include lender fees, title, escrow, taxes, and prepaids. In some cases they can be offset with lender or seller credits. The Closing Cost tool gives you an estimate.
What are today's mortgage rates?
Your rate depends on your credit, loan type, down payment, and current market conditions, so there's no one-size-fits-all number — and we don't quote rates online. Bola shops 150+ lenders to find competitive options for your specific profile.
How much home can I afford?
It comes down to your income, monthly debts, down payment, and rate. The “How much can I afford” calculator gives an instant estimate, and a quick pre-approval from Bola confirms your real buying power.
Do you finance investment properties?
Yes — through DSCR, bank statement, conventional, and commercial options. The Investment Analyzer lets you model cash flow, cap rate, cash-on-cash, DSCR, BRRRR, and more before you buy.
What are fix-and-flip and hard money loans?
These are short-term, asset-based loans for investors — funded quickly and based mostly on the deal itself rather than your income. Great for renovations and quick purchases; Bola can structure one for your project.
How do I get pre-approved?
It's quick and free. Tap “Get Pre-Approved” or “Apply Now,” or book a short call, and Bola will guide you through it and tell you exactly what you can borrow so you can shop with confidence.
What areas do you serve?
Bola Mories is licensed in California, Florida, Texas, and Tennessee, with wholesale access to 150+ lenders to find the right fit wherever you're buying in those states.

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Informational only · Not a commitment to lend · NMLS# 2437072