First-gen homeowner turned loan officer. Plain-English mortgages and replies in minutes.
Pre-approved in 24h
Loan Officer · NMLS #0000000
4.9 from 212 reviews
A little about me
I’m not here to sell you a loan. I’m here to make sure you understand every number before you sign, and still have money left for the sofa.
Tessa Marlowe, loan officer
Buy · FHA & Conventional
Your first home, explained stage by stage. Low down payment options and a plan you can actually follow.
Closing — 21–30 days
From 3% down
Lower rate · Lower payment
See if a new rate could shrink your monthly payment or shorten your loan. Free, no-pressure review.
Closing — Rate check in 10 min
Free savings check
Veterans · Service members
Zero down, no monthly mortgage insurance and a lender who knows the benefit inside out.
Closing — 21–35 days
$0 down
HELOC · Fixed second loan
Turn the value you have built into cash for renovations, repairs or paying off high-interest debt.
Closing — 14–21 days
Borrow up to 85%
Examples only. Rates, terms and eligibility vary by borrower and property. Marlowe & Co. Lending · NMLS #0000000
Loan calculator
Move the sliders and watch your payment change. It is an estimate, and I’ll firm it up with you for free.
Estimated monthly payment
$3,272/mo
How it works
No jargon, no runaround. Here is exactly what happens after you say hello.
Tell me your goal and rough budget. I’ll text you back the same day.
I review your numbers and send a clear letter you can shop with.
I handle the paperwork and keep you posted until closing day.
Reviews
4.9 from 212 reviews
“I thought I could never afford a home. Tessa found a 3% down option and explained every number. We had keys in 24 days.”
Maya ChenFirst-time buyer“Texted her at 9pm and had an answer by 9:10. No loan officer has ever done that for me.”
Daniel KerrRefinance“As a military spouse I dreaded the VA process. She made it painless and told me every stage in advance.”
Hannah BrooksVA loan“Our payment dropped $340 a month. Free review, zero pressure, and she answered every silly question.”
Marcus TateRefinance“She tells you the truth even when it isn’t what you want to hear. That is so rare.”
Elena VargasHome equity“Closed in 19 days. Our agent said it was the smoothest file she had ever seen.”
Chris AllenMove-up buyerSample reviews and photos for this demo.
FAQ
The things everyone asks me first. Still wondering? Send me a message and I will reply the same day.
Ask me anything
Less than most people think. Conventional loans can start at 3% down, FHA at 3.5%, and VA loans can be $0 down for eligible borrowers. We will look at what fits your budget, not just the minimum.
Programs can start around 580 for FHA and 620 for conventional. If you are not there yet, that is fine. Talk to me early and I will give you a simple plan to get there.
Most loans close in 21 to 30 days. I send you a checklist on day one and a quick update at every stage, so you are never left guessing.
A full pre-approval usually includes a credit check. Several mortgage checks in a short window are generally counted as one when scores are calculated. I will always tell you before I pull anything.
It comes down to your break-even point: how long it takes the monthly savings to cover the closing costs. I run those numbers for free and tell you honestly if you should wait.
Talking to me is free. Every cost is shown upfront in an official Loan Estimate, and I walk you through each line before you decide anything.
Contact
Call, text or send a note. You’ll hear back from me, not a call centre.
