Mortgage Broker · Gulf Coast · Licensed in 7 States
Direct access to a broker who finds a way to get it done.
Veterans, self-employed borrowers, real estate investors and first-time buyers. I shop a large network of wholesale lenders to solve the scenarios that do not fit neatly in a box, and handles the straightforward ones just as well.
Meet Cameron
One broker, a whole network of lenders.
You are not handed off to a call center. You work directly with me, from the first conversation to the closing table.
Because I am not limited to one lender’s products or guidelines, I have far more flexibility when a scenario gets unusual. I handle straightforward conventional financing every day, but one of my biggest strengths is finding solutions for borrowers who do not fit the standard box.
Who I Work With
Built around four kinds of borrowers.
These are the files I specialize in, each with its own page and its own approach.
Veterans & military
You earned a VA benefit and want it used properly, including a second use of entitlement.
Explore →02Self-employed & business owners
Your tax returns do not show what you actually earn. Bank statement and non-QM options can.
Explore →03Real estate investors
You want to qualify on the property’s cash flow, including short-term rentals, and keep growing.
Explore →04First-time homebuyers
You want to know what it really takes to buy, and a plan to get there.
Explore →Plus the full range
Conventional, FHA, USDA, refinance and cash-out, down payment assistance and the rest of the normal spectrum of mortgage financing.
Turned Down Somewhere Else?
A “no” from one bank is not the final answer.
Banks and retail lenders are limited by their own products, guidelines and overlays. I can look across a much broader range of lenders and programs, and I spend a lot of my time saying yes to loans other lenders have turned away. Sometimes it simply takes the right lender or the right structure.
The Process
Six steps, with me in every one.
Access, problem-solving, communication and personal involvement, from strategy to closing.
Initial Conversation & Strategy
I start by understanding your goals, income, assets, credit profile, property, timeline, and anything unusual about the scenario.
Application & Documentation
We complete your application and I gather the documentation I need to fully understand and evaluate the file.
Shop Lenders & Programs
With the complete scenario in hand, I compare lenders, products, guidelines and pricing to find where the loan fits best.
Pre-Approval & Loan Structuring
I determine the best financing strategy and structure the loan properly. This is more than just generating a pre-approval letter.
Underwriting & Communication
I stay involved through the whole file, work through conditions and issues as they arise, and keep you and your agents informed.
Clear to Close & Closing
I review the final figures with you, coordinate the remaining pieces, and get the loan across the finish line.
In Their Words
5.0 on Google, across 10 reviews.
I had the pleasure of working with Cameron Reed on a real estate deal, and I couldn’t have asked for a better loan officer to have in my corner. Cameron did an outstanding job from start to finish. He was professional, responsive, knowledgeable, and incredibly proactive throughout the entire process. As a real estate agent, having a reliable loan officer is critical, and Cameron made my job much easier. He communicated clearly, stayed on top of every detail, and worked hard to help get the deal funded successfully.
Eric W. · Real estate agentI feel like I’ve spent a lifetime attempting to successfully navigate through the ever-growing, often confusing and mostly frustrating complexities of the mortgage industry. So please take this advice; whether VA, Conventional, Re-fi(s), Seconds or HELOCs… Let Cameron lead you through it! Thank you, Cameron… You are welcome at our fire, anytime!
Timothy H. · VA, conventional & refinanceCameron Reed did an amazing job with our Refi. He was knowledgeable, professional and efficient. He took all our calls and answered every question with patience and reassurance. Our transaction was filed, processed and completed on time. We’re very grateful and highly recommend them!
Rene T. · RefinanceWorking with Cam was great we went through a heck of a process and a few different options but instead of settling with the first deal he got us the best possible deal. I’m a builder for a living and I refer all of our homeowners to him. He is the best!
Dalton M. · Home builderService Area
Rooted on the Gulf Coast. Licensed in seven states.
I work throughout Baldwin County, Mobile and Pensacola and the surrounding area, and with borrowers anywhere in Alabama, Arizona, Colorado, Florida, Tennessee, Texas and Virginia.
Baldwin County, AL
Foley, Gulf Shores, Orange Beach, Fairhope, Daphne, Spanish Fort and the rest of the Eastern Shore.
Mobile, AL
Mobile and the surrounding Mobile County communities.
Pensacola, FL
Pensacola, Gulf Breeze, Perdido Key and the surrounding Escambia and Santa Rosa County areas.
Credentials
Verifiable, not self-reported.
5.0 on Google
A perfect 5.0 rating across 10 client reviews on my Google Business profile.
NMLS #2613580
Individually licensed, and I broker through C2 Financial Corporation (Company NMLS #135622).
Wholesale lender access
I compare rates, programs and underwriting guidelines across a large network of wholesale lenders.
Licensed in seven states
Alabama, Arizona, Colorado, Florida, Tennessee, Texas and Virginia, with my home base on the Alabama and Florida Gulf Coast.
