Why Choose Brian McHugh Mortgage Broker:
Your Advocate in Home Financing

The Broker Advantage: Competition Works for You

Unlike a single retail bank that can only offer its own products, we act as an independent mortgage broker, partnering with a vast network of wholesale lenders.
This model creates a highly competitive environment that directly benefits you:

Access to More Solutions: We access wholesale rate sheets daily, allowing us to compare Conventional, FHA, VA, and Jumbo loan programs, rates, and terms objectively. This ensures you receive the most competitive program available for your specific profile.

Specialized Expertise for Every Borrower: We have an extensive array of products, from standard 30-year mortgages to programs designed for unique situations.

Dedicated, Streamlined Service: We handle your application from start to finish. You have a single point of contact managing the process with the chosen wholesale lender and their underwriting team to ensure a smoother, faster closing.

Programs Tailored to Your Success

We specialize in securing financing for every unique situation, ensuring you have the right loan to meet your goals:
‍
Understanding the Self-Employed: Traditional banks often don't understand the self-employed. We do.
If your income comes from 1099s, business ownership, or multiple revenue streams, we offer programs that qualify you using: Bank statements, Profit & loss statements, Asset depletion, or Alternative documentation.
You’ve built your business—let us help you build your home.

First-Time Homebuyers: Your first home should be exciting, not overwhelming. We walk you through every step of the process: Budget planning and pre-approval, finding the right loan program (FHA, VA, Conventional), navigating down payment assistance, and getting you to the closing table without surprises.

Jumbo & Investment Loans: Bigger dreams need bigger solutions. Whether you’re purchasing a luxury home or expanding your real estate portfolio, we provide access to competitive jumbo and investment loan programs designed to fit your goals.

Government-Backed Options: FHA loans (insured by the Federal Housing Administration) are ideal for first-time or lower-income homebuyers, offering lower credit score requirements and down payments as low as 3.5%.

VA loans and HELOCs are three distinct types of home financing options designed for different needs.

Transparency and Compliance
All final loan terms, including our compensation, are fully disclosed to you on the federally mandated Loan Estimate and Closing Disclosure forms. We are committed to finding you the most competitive program available in the wholesale market, ensuring you have a clear, standardized breakdown of the interest rate, APR, and all fees.

Personal: NMLS #1156484
Company: McHugh, Brian, D NMLS #2720020
‍