For Real Estate Agents

Your buyers get a fast first call, a full pre-qualification, and a loan officer who keeps you informed from the offer to the closing table. I am licensed in Arizona, Pennsylvania, Florida, and Texas, and most of my work is in Pennsylvania and Arizona.

Justin Lazzaro, NMLS #1229453 | Reasy Financial, LLC, NMLS #2446155 | Licensed in Arizona, Pennsylvania, Florida, and Texas

What your buyers get from me

Everything on this page is part of my work on your buyer's loan. Every client and every agent gets the same service.

A fast first call

When you send a buyer my way, I reach out the same day. I learn what they want to buy, how they plan to pay for it, and what could get in the way, and then I tell you what I heard.

A full pre-qualification

I review income, assets, and credit before I write a letter, so the letter carries weight when the listing agent reads it. When your buyer writes an offer at a new price, I update the letter, including on evenings and weekends.

Numbers before the offer

Before you write, I can show your buyer an estimate of the monthly payment and cash to close on that specific property, so they decide with the full picture in front of them.

How I keep you informed

You should never have to chase me for an update.

  1. Before the offer

    I review the listing for anything that could cause financing trouble, such as condo project approval, property condition, or a manufactured home. If you would like, I will call the listing agent to support your buyer's offer.

  2. Under contract

    You hear from me at each milestone: application complete, appraisal ordered, appraisal back, conditional approval, and clear to close.

  3. When something changes

    If a deadline is at risk, you hear it from me the day I know, along with what I am doing about it. My goal is that you never learn about a problem in the final week.

I share loan status with you and your buyer. I share financial details only with your buyer's permission.

Programs that help keep deals together

I am a mortgage broker with access to many wholesale lenders, so when one lender says no, there is often another path. These are the situations agents bring me most often.

Loan options to ask about for common buyer situations
Your buyer's situationOptions to ask me aboutWhy it can help
Self-employed, and tax returns show less income than the business earnsBank statement loans and 1099 and P&L loansIncome is documented from deposits or a prepared statement instead of tax returns.
Strong savings, but little monthly incomeAsset depletion loansThe lender calculates a qualifying income from eligible account balances.
Buying a rental propertyDSCR loans and investment property loansSome programs qualify the purchase on the property's expected rent.
Needs to sell before buyingBridge loans and buy before you sell programs, and HELOCsEquity in the current home can help fund the next purchase.
Loves a house that needs workRenovation loansThe purchase and the repairs can be financed together in one loan.
Was told no after a past credit problemCredit event loansSome programs look past an older credit event. When a buyer needs more time, I write out the steps to get there.

Where I am licensed

I am licensed in Arizona, Pennsylvania, Florida, and Texas, and most of my work is in Pennsylvania and Arizona.

Pennsylvania

I grew up in Pittsburgh and still have a home there. I work with buyers and agents across Pennsylvania.

Pennsylvania home loans

Arizona

I spend much of the year in Scottsdale and work with buyers across Arizona, from first homes to second homes and rentals.

Arizona home loans

Florida and Texas

I am licensed in Florida and Texas as well, so I can help when your buyer is purchasing there or moving from there.

See my licenses

Questions agents ask me

Short answers to the questions I hear most from agents.

How do I send you a buyer?

Call or text me at (412) 638-4982 with your buyer's name and number, or have them book a time on my calendar. I take it from there and let you know once we have spoken.

How quickly can you write a letter?

Once I have reviewed your buyer's income, assets, and credit, I write and update letters as quickly as I can, including evenings and weekends when an offer is going in.

Will you call the listing agent?

Yes, if you would like me to. A short call explaining how your buyer was qualified can help the listing agent and seller feel confident in the offer.

What will you share with me about my buyer?

I share loan status and milestones, and I always tell you about anything that could affect the closing date. I share financial details only with your buyer's permission.

Do you work with first-time buyers and investors?

Yes. I work with first-time buyers, move-up buyers, veterans, self-employed buyers, and investors. If a buyer does not qualify yet, I give them a written plan and stay in touch.

Do you pay referral fees or share marketing costs?

No. Federal law (RESPA) does not allow a loan officer to pay for referrals or to cover an agent's business expenses, and it puts both of our licenses at risk. My part is careful work on every loan.

Ready to talk it through?

Pick a time that works for you. We'll go over your goals and next steps, no pressure, just a conversation. Prefer to call or text instead? Reach me directly at (412) 638-4982, or book a quick Zoom if that's easier.

Pick a Time