Buying a home
Let’s look at the monthly payment and what you’d need to bring to closing.
Start a purchase application →Your home.
Your next move.
Access your equity, buy a home, or refinance. Start online with Dean, with guidance when you need it.
Prefer to talk? (949) 379-1460 · ★ 5.0 client reviews
Dean MosallamYour mortgage loan originator · NMLS #2222178
From my family to yours
I’m Dean Mosallam. I’ve been a loan officer for five years, and I’m licensed in multiple states. These are the people I come home to. When we talk about your home, I keep in mind that you have people and plans of your own. I want to hear what matters to you, walk through the numbers together, and give you room to ask every question on your list.
If you’ve trusted me with your loan or passed my name along to someone you care about, thank you. That’s how my business grows, and it means a lot to my whole family.
Dean Mosallam
A BROADER NETWORK BEHIND YOU
Lenders shown are from Trust One Financial’s broader network. HELOC buttons lead to the digital HELOC program. Purchase and refinance buttons lead to Dean’s ARIVE application. These links do not submit an application to every lender shown.
CLIENT REVIEWS
In my clients’ words
“I have never worked with a loan professional who was as knowledgeable or on the ball as much as Dean is and was!”
“He was very knowledgeable and was excellent at answering all my questions.”
“When I decided to look at HELOCs Dean was very generous with Information and direction with a calculator near hand at all times.”
“He was very accessible when we had questions & response time was amazing.”
LOAN OPTIONS
What are you working toward?
Using your equity
Planning a renovation or another large expense? Explore a line of credit secured by your home.
Explore the HELOC →Revisiting your mortgage
We can compare your current loan with the costs and terms of a refinance.
Explore refinancing →A more complex situation
Self-employed or considering a rental property? Let’s talk through your income, the property, and your plans.
Call Dean →APPLY ONLINE. HELP WHEN YOU NEED IT.
Why choose a digital HELOC?
Home improvements, debt consolidation, or another important expense. See whether your equity can help.
Start from anywhere
Begin the application online when it works for you. No introductory phone call required.
A fixed rate on your initial draw
Know the rate on the amount you draw at closing. Later draws may have a different fixed rate.2
A digital path to closing
Online notarization is available for eligible properties. Some locations or circumstances require an in-person notary.3
Review repayment terms
Check your offer for payment requirements, fees, and early payoff terms.
A HELOC is secured by your home. Consolidating unsecured debt into a HELOC puts your home at risk if you cannot repay and may increase total interest over a longer term.
FROM “WHAT IF” TO WHAT’S NEXT
One application.
A clear path forward.
Do it on your time, with support available along the way.
Start my HELOC application- 01
Start your application
Continue to the application portal and enter your property and financial information there.
- 02
Review your options
If offers are available, review the rate, fees, payment, and loan terms. Complete any requested verification.
- 03
Close and receive your funds
Once approved, finish signing and notarization. Funding follows applicable waiting periods and processing.3
A LITTLE CLARITY GOES A LONG WAY
Good questions.
Straight answers.
Know what you’re applying for before you take the next step.
Will I need a full appraisal?
The lender may use an automated valuation or require a full appraisal. Your application will identify the property review required and any costs.
Do I have to speak with Dean before applying?
No introductory call is required. You can start through the application link and follow the online steps. If additional information or assistance is needed, the team may contact you.
Will this replace my current mortgage?
A second- or third-lien HELOC can leave your existing mortgage and its terms in place while adding another loan payment secured by your home. A first-lien HELOC is also available for eligible properties, including homes owned free and clear. Your available lien position depends on existing liens, property occupancy, state, and program requirements, and is determined during the application.
Is the entire credit line drawn at closing?
Yes. This program requires a 100% initial draw. The cash you receive may be reduced by origination fees, costs, and any debt payoffs. Repayment begins on the drawn balance. Future draws are subject to your agreement and available credit.
How does the fixed rate work?
The linked program describes a fixed rate for the initial draw. A later draw is priced when you take it and can have a different fixed rate. Review the rate, fees, payment, and terms in your actual offer and agreement before accepting.
Does checking an offer affect my credit?
The initial offer check uses a soft credit inquiry. Continuing through the application can require a hard credit inquiry, which may affect your credit score. Review the credit authorization in the application portal before proceeding.
Can I sign and get my money the same day?
Notarization and funding are separate steps. An online notary may be available once your file is ready, but funding still depends on verification, signing, applicable waiting periods, and bank processing. Texas and in-person closings can take longer.
YOUR NEXT MOVE STARTS HERE
Let’s put your equity
to work.
Start online. Review your options. Decide what’s right for you.
Start my application Continue to the Ease Mortgage portal
