Who is The Mortgage Advisory?

Who we are

The Mortgage Advisory, Inc. was founded in 2016 by Ace Ausar, a mortgage banker with 25+ years in real estate and lending. Today our licensed team helps homeowners and buyers across four states, and every answer on this site is reviewed by a licensed mortgage professional before it's published.

Our clients describe the same things again and again: we're patient, we explain every step, and we treat people like family, not like a transaction. See what they say on Google.

What we do

• Buy a home: conventional, FHA, VA, and Non-QM loans.
• Tap your equity: HELOCs that keep your low first-mortgage rate, and cash-out refinancing.
• Plan retirement: reverse mortgages, including HECMs, jumbo reverse, and reverse mortgage seconds.
• Get out from under high-interest debt: debt consolidation with home equity.

Lender or broker?

Both, and we'll always tell you which. We're the direct lender on conventional, VA, and Non-QM loans. For FHA loans, reverse mortgages, and HELOCs, we work with approved partner lenders as your mortgage broker. Either way, you'll know upfront who your lender is and how we're paid. See how we're paid.

What we believe

• Show every cost. Including ours.
• Plain English. If you don't understand something, that's on us.
• Do the math, not the headline. We look at your Life Rate, the blended rate on everything you owe, not just your mortgage rate.
• Answer the phone. You'll talk to people who know your file.
• Say no when it's right. If a loan doesn't help you, we'll tell you.

Where we lend

Licensed in California, Texas, Florida, and Colorado. See licensing and disclosures.