Demonstration site. Northgate Mortgage Partners is a fictional company built by Sky-Eagle Designs to show a finished mortgage website. Not a real lender.

Suburban neighborhood of two-story homes at dusk with warm lights in the windows

Independent Mortgage Brokerage

A better rate than your bank. Without the runaround.

Northgate shops a network of wholesale lenders on your behalf, then walks the file through underwriting personally. One conversation, every program, a real answer in 24 hours.

Get Pre-QualifiedRun the Numbers
No credit pull to startAnswer within 1 business dayLicensed in 7 states

Loan Programs

Every major loan type, one broker

Terms from 10 to 30 years, fixed and adjustable. We match you to the program that costs you the least over the time you actually plan to keep the house.

Conventional Loans Standard financing for primary homes, second homes, and rentals. Down payments start at 3%. See Conventional details → FHA Loans Government-backed, flexible credit. As little as 3.5% down with a 580 score. See FHA details → VA Loans For veterans and active duty. Zero down payment and no monthly mortgage insurance. See VA details → USDA Loans 100% financing for eligible rural and suburban addresses. No down payment required. See USDA details → Jumbo Loans Financing above conforming limits, with competitive pricing well past $3M. See Jumbo details →
Buying a Home Pre-approval letters that hold up with listing agents, and a clear picture of what you can afford before you tour a single house. Purchase loans → Refinancing Lower the rate, drop mortgage insurance, shorten the term, or pull cash out. Every recommendation comes with the break-even math in writing. Refinance options →

Why a Broker

Your bank has one rate sheet. We have thirty.

Retail lenders quote you their own products at their own margin. A wholesale broker gets the same lenders’ pricing at wholesale, then competes them against each other for your file. On identical credit profiles that spread is real money.

30+
Wholesale lenders
24 hr
Typical first response
7
States licensed
4.9
Average client rating

What that looks like in practice

  • Your file goes to the lenders most likely to approve it, not the one desk that happens to employ us
  • Pricing comes back as an apples-to-apples comparison, fees included, not just a headline rate
  • If an underwriter pushes back, we know which lender will take the file instead
  • One point of contact from the first call through the closing table
  • Broker compensation is disclosed on your Loan Estimate, every time

Illustrative sample figures. This is a demonstration website.

Your Loan Officers

You get a person, not a portal

Three licensed originators, each with a specialty. Pick whoever fits your situation, or let us route you.

Andre Whitfield, Branch Manager and Senior Loan Officer at Northgate Mortgage Partners Andre Whitfield Branch Manager & Senior Loan Officer NMLS #1487302 Runs the Oklahoma City branch and specializes in first-time buyers, self-employed borrowers, and anyone who has been told no somewhere else. View full profile → Danielle Okafor, Senior Loan Officer at Northgate Mortgage Partners Danielle Okafor Senior Loan Officer NMLS #1902557 Handles refinances, cash-out equity strategy, and investment property financing, with a habit of running the break-even math before you ask. View full profile → Trevor Lindqvist, VA and Jumbo Loan Specialist at Northgate Mortgage Partners Trevor Lindqvist Loan Officer, VA & Jumbo Specialist NMLS #1663841 Twenty-one years in the business, with a VA and jumbo focus and a reputation for closing files other brokers have already given up on. View full profile →

Sample Pricing

Illustrative rates as of August 19, 2026

Example scenarios only. Your rate depends on credit score, loan-to-value, occupancy, property type, loan amount, and lock period.

Sample mortgage rates and APRs by loan program
ProgramRateAPRExample scenario
30-year fixed conventional6.125%6.284%$400,000 price, 20% down, 760 FICO
15-year fixed conventional5.375%5.598%$400,000 price, 20% down, 760 FICO
30-year FHA5.875%6.742%$300,000 price, 3.5% down, 660 FICO
30-year VA5.750%5.982%$350,000 price, 0% down, 700 FICO
30-year USDA5.990%6.301%$260,000 price, 0% down, 680 FICO
30-year jumbo6.375%6.451%$1,200,000 price, 25% down, 780 FICO

Sample figures for a demonstration website. Not an offer, quote, or commitment to lend. Rates change daily and intraday. APR assumes standard third-party closing costs and, where applicable, mortgage insurance. On a live site this table is the one place rates live and is updated from a single source or a lender rate feed.

The Process

Four steps, and you know where you stand at each one

1

Tell us the goal

Three minutes, no credit pull. Purchase or refinance, rough numbers, how to reach you.

2

We shop the file

Your scenario goes out to the lenders whose guidelines actually fit it. Pricing comes back within a day.

3

Compare, side by side

Rate, fees, monthly payment, and total cost over the years you plan to keep the loan. In writing.

4

Close on time

One document request, one point of contact, and a clear-to-close before the contract deadline.

Client Reviews

What clients say

Illustrative sample reviews on this demonstration site.

“We were turned down by our bank because my husband had only been self-employed for two years. Andre looked at the same paperwork and found a lender that counts a two-year 1099 history. We closed 31 days later, and the rate was better than what the bank had quoted us before they said no.”
Priya R.
First-time buyer · Edmond, OK
“Danielle talked us out of refinancing in March. She sent a one-page break-even sheet showing we would not clear costs for 41 months and told us to wait. When rates moved in July she called us. That is not how the last two lenders treated us.”
Marcus & Jen T.
Refinance · Norman, OK
“Trevor handled a tidewater notice and an entitlement restoration in the same file without it ever becoming my problem. Zero out of pocket at close, exactly like he said in the first phone call.”
Staff Sgt. D. Alvarez
VA purchase · Lawton, OK

Read more reviews

Common Questions

Answers before you pick up the phone

How is a mortgage broker different from my bank?
A bank can only sell you its own loans at its own pricing. As a broker we submit your file to a network of wholesale lenders and bring back the best of what they will actually approve. If one lender's overlay kills your file, we move it, rather than telling you no.
Does getting pre-qualified affect my credit score?
The pre-qualification form on this site does not pull credit at all. When you move to a full pre-approval we run a hard inquiry, which typically costs a few points. Multiple mortgage inquiries inside a 45-day window count as one for scoring purposes, so shopping does not compound the hit.
How much do I need for a down payment?
It depends on the program. VA and USDA can be zero down for eligible borrowers, FHA is 3.5% with a 580 score, and conventional starts at 3% for qualified first-time buyers. Putting less than 20% down usually means mortgage insurance, which our calculator estimates for you.
What does Northgate charge?
On a lender-paid compensation file the lender pays our commission and you pay no broker fee; that cost is built into the rate. On a borrower-paid file you pay the broker compensation directly and get a lower rate. We show you both structures side by side before you choose, and it is disclosed on your Loan Estimate either way.
How long does closing take?
Most purchase files close in 21 to 30 days from a complete application. Refinances usually run 25 to 35 days. The single biggest variable is how fast documents come back from you, which is why we send one consolidated request instead of trickling them out.

Find out what you actually qualify for

Three minutes, no credit pull, and a licensed loan officer follows up within one business day.

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