coach brian mortgage

BRIAN WIESNER

SENIOR MORTGAGE ADVISOR
REVERSE MORTGAGE SPECIALIST

NMLS 276531
Serving California, Arizona & Texas

Broker Associate with 21st Century Lending, NMLS 241835

Photo of Brian Wiesner, Senior mortgage advisor

About Brian

As a top mortgage broker with over 25 years of experience, Brian Wiesner provides expert guidance to high-value homebuyers, retirees looking to access home equity, first-time homebuyers, and seasoned investors.

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Trusted Advisor & Educator

I believe informed borrowers make better decisions. My goal is to explain the mortgage process and loan choices clearly so you feel confident every step of the way.

Personalized Loan Strategies

No two borrowers are exactly alike. I compare a wide range of loan programs to find financing that fits your goals, budget, and future plans.

Clear, Concise Communication

You’ll always know where you are in the loan process, what comes next, and why each step matters. No confusing jargon or unnecessary surprises.

what we offer

We Offer a Variety of Loan Programs for Every Need.

Loan options include Conventional, FHA, VA, Jumbo, Reverse Mortgages, DSCR investor loans, Non-QM and bank statement programs, down payment assistance, HELOCs, bridge loans, and other specialty financing for borrowers with unique needs.

Questions about our loan programs? Use Brian’s Mortgage Bot for an immediate response!

Ask Any Mortgage Question Here!
Home Purchase Loans

Conventional, FHA, VA, and specialty mortgages for first-time buyers, moving up or scaling down, or investors.

REVERSE MORTGAGE

Home equity solutions for seniors ages 55+ looking to improve cash flow or purchase a new home.

NON-QM / SELF-EMPLOYED

Use of alternative documentation for borrowers whose tax returns may not reflect their full financial picture.

investor loans

Flexible financing solutions designed for real estate investors growing or refinancing their portfolios.

Jumbo Loans

Financing for higher-priced homes, luxury homes, and loan amounts above conforming loan limits.

Doctor & Dentist Loans

Loans for medical professionals offering zero down and flexible student loan debt considerations.

specialty financing

Solutions for unique properties, special transactions, and more complex lending needs.

Refinance & Home Equity

Access your home’s equity or restructure your existing mortgage to better fit your current goals.

Mortgage FAQ

You don’t “shop” for the rate — you shop for the price of the rate. Rates change daily. You can choose any rate that’s on the pricing sheet. Most people choose the “par” rate, which doesn’t cost extra. Watch out for ads that say: “6.5% at 2 points” — you’re actually paying extra to get that rate. It’s not the base rate for the day.

Most programs allow up to 50% of your gross income toward your mortgage and all monthly credit debts. But that’s not the same as asking, “What do I actually want to spend based on my lifestyle?” I’ll help you find that balance between qualifying and comfortable.

NO. This is a common misconception. Much lower down payments can be found:

– 0% down: VA and assistance programs
– 3%-3.5% down: Conventional and FHA loans

Your available cash and credit score determine your loan program fit. Also remember that closing costs are completely separate from your payment. We’ll plan for both.

Credit is personal. What someone else did to improve their score might not work the same for you. It could even hurt. I use a simulator tool from the credit bureaus to create a clear plan for what to do (or avoid doing) so your score helps, not hinders, your approval.

– Government: FHA, VA, USDA, HECM for Purchase

– Agency: Fannie Mae, Freddie Mac

– Non-government/private: Jumbo, Reverse, Bank Statement, Investor, DSCR, Self Employed, and more.

Unless you’re a veteran using a VA loan, chances are you’ll qualify for more than one program — and I’ll help you choose the one that fits best.

I always say:
1. “Money” (paystubs)
2. “Money” (bank statements)
3. “Money” (some tax docs)

They typically range from 3%–4.5% of the purchase price — plus any points you choose to pay for your interest
rate.
– Many are charged by third parties (like appraisers or insurance companies).
– Others are chosen by the seller, like title or escrow.
– Some are related to property taxes or recording fees.

I don’t set the fees — I just disclose them once those companies send them over. Example: A $400,000 home with 10% down may also require $16,000+ in closing costs — so your full cash outlay will be higher than just the down payment.

On average, 21–30 days — but I often close faster. I coordinate everything behind the scenes with escrow, title, your agent, and the lender to keep things moving and eliminate surprises.

Can I get help with a down payment or closing costs?

Yes — I work with several programs that offer:

– Up to 100% financing
– rants or deferred repayment assistance
– Flexible programs with no first-time buyer requirement

Let’s find out what you qualify for.

As a licensed mortgage broker, I can shop the wholesale market on your behalf — banks can’t, especially if you understand wholesale vs. retail. Most retail lenders only offer their own products. It’s like trying to buy a Ford at a Chevy dealership.

The pricing and flexibility are often better on the wholesale side — and I’m here to find what works for you, not what a bank wants to sell you.

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