A real game plan
We'll talk through your goals and map the exact steps to get you there. A plan you can act on, not a sales pitch.
Explore the Burt Lending Team
Mortgage Lending · Mesa, Arizona
I'm Jake Burt. Before the paperwork and the programs, let's just have a conversation. Fifteen minutes, no pressure, no obligation, and you'll walk away knowing exactly what's possible and what to do next.
Start here
You don't need an application to talk. Book a quick call and we'll figure out the smartest path for you, together.
We'll talk through your goals and map the exact steps to get you there. A plan you can act on, not a sales pitch.
Walk away with a clear picture of your buying power and the loan programs that actually fit your situation.
You'll have my number, and your calls, texts, and questions get addressed honestly and fast, every time.
What clients say
Why Jake
After five-plus years and hundreds of families, I've learned the loan itself is rarely the hard part. The hard part is feeling like nobody's in your corner. So I make sure somebody is, with honest numbers, plain English, and a phone that actually gets answered.
Book a Call
Pick a slot below and we'll talk it through. That's the whole first step.
Buy a Home
First-time buyer or seasoned mover, we'll get you pre-approved fast so you can shop with confidence and write offers sellers take seriously. I'll walk you through every program you qualify for and help you keep more cash where it belongs: with you.
The best first step isn't an application. It's a conversation.
Refinance
Lower your payment, tap into equity, consolidate debt, or drop mortgage insurance. Refinancing is a tool, and we'll only pull the trigger when it genuinely makes sense for you. No pressure, just a clear look at the numbers.
Let's run your numbers together and see if it's worth it.
Loan Programs
No two borrowers are the same, so I keep a deep bench, from first homes to rental portfolios.
The flexible workhorse. Competitive terms for primary homes, second homes, and rentals, with as little as 3% down for qualified buyers.
Built for accessibility. Lower credit thresholds and a 3.5% down payment make this a favorite for first-time buyers.
A thank-you you've earned. Zero down, no monthly mortgage insurance, and standout terms for those who served.
Room to breathe. 100% financing for eligible homes in suburban and rural areas. More places qualify than you'd think.
Qualify on the property, not your pay stubs. Designed for investors scaling a portfolio using rental cash flow.
For homes above conforming limits. Premium financing for higher-value properties, handled with care.
Grow the portfolio. Purchase and refinance options for single doors to multi-units, with strategy built in.
The down payment is the hurdle, so let's clear it. Grant and assistance programs for eligible buyers.
Not sure which fits? That's literally my job.
Why Jake
That little line gets thrown around a lot, but for me it's just how the work gets done. After five-plus years and hundreds of conversations with families across the country, I've learned that the mortgage itself is rarely the hard part. The hard part is feeling like nobody's actually in your corner. So I make sure somebody is.
I treat homeownership as one of the most powerful wealth-building tools most people will ever touch, and I treat your file like it's my own. That means honest numbers, plain-English explanations, and a phone that gets answered (yes, even on a Sunday). A President's Club track record is nice, but the reviews I'm proudest of are the ones that say I made a stressful thing feel handled.
When I'm not buried in a loan file, you'll usually find me chasing a new national park with my fiancée Gabby and our cattle dog Telly, rock climbing, or out on a trail somewhere.
The best way to know if we're a fit? Let's talk.
The Process
Six clear steps. You'll always know where you are and what's next.
A quick application and a short conversation. I review your goals and hand you a real pre-approval you can shop with.
Now you know your budget and buying power. Make offers that stand out, with a lender agents trust behind you.
Offer accepted. We lock your terms, order the appraisal, and my team gathers everything underwriting needs.
The deep review. I stay ahead of conditions and keep things moving so surprises don't become delays.
The words everyone waits for. Final numbers are confirmed and your closing is scheduled.
You sign, you fund, you celebrate. And you've got a lender for life for the next one.
Step one starts with a conversation.
What clients are saying
Ready to be the next five-star story?
Mortgage Calculator
Estimate your monthly principal & interest, then add an extra payment to see the interest savings and payoff timeline change. Educational estimate only; not a quote or commitment to lend.
Estimates exclude taxes, insurance, HOA dues, and mortgage insurance. Your actual payment will differ. This is not a commitment to lend.
Want real numbers for your situation? Let's talk.
Get ready
Have these ready and your loan will move faster. We'll confirm exactly what your file needs once we talk.
Gathering documents is easier with a guide. That's me.
Resources
Less than most people think. Conventional loans can go as low as 3% down, FHA as low as 3.5%, and VA and USDA can be zero down for those who qualify. We'll also look at down payment assistance if it's a fit.
There's no single magic number. Many programs work with scores in the low-to-mid 600s, and some go lower. Even if you're not there yet, let's talk. I'll give you a clear, no-judgment plan to get qualified.
Pre-approval can happen in as little as a day. From accepted offer to keys, most loans close in roughly three to four weeks when documents come in promptly. I keep things moving and tell you exactly what I need, when.
Pre-qualification is a quick estimate. Pre-approval is the real deal. I've reviewed your documents and credit, so your offer carries more weight with sellers. I always aim to get you fully pre-approved.
Absolutely. It's one of my specialties. From conventional investment loans to DSCR loans that qualify on the property's cash flow, I help investors grow portfolios one door at a time.
An initial conversation and pre-approval cost you nothing. We'll review all costs together, in writing, well before you ever commit to anything. No surprises. That's the deal.
Got a question that's not here? Ask me directly.
Resources
The mortgage world loves its jargon. Here's plain English for the terms you'll hear most.
I'll translate any of it on a quick call.
Stay on track
Once you're in process, big financial moves can shake the file. The golden rule: when in doubt, ask me first.
When in doubt, just ask. That's what I'm here for.
Contact
Tell me a little about what you're working on and I'll get back to you personally, usually the same day. No pressure, no jargon, no obligation.
Rather just talk?