Veteran Founded

Veteran Owned

Veteran Operated

Our Services

Home Purchase Loan
Interest Rate Reduction Refinance Loan (IRRRL)
Cash - Out Refinance
Native American Direct Loan (NADL)
Adapted Housing Grants
Conventional and Non-QM Mortgage Programs also Available

What We Do

At 9 Line Mortgage, we manage and coordinate the moving parts that often create delays, stress, or uncertainty in a real estate transaction. Our approach emphasizes preparation, proactive problem-solving, and consistent communication.

We coordinate:

Loan strategy and product selection across multiple wholesale lenders
Credit, income, and asset analysis to align with underwriting requirements
Documentation collection and underwriting conditions
Appraisal, title, and third-party service providers
Veteran-friendly real estate agent placement when requested
Homeowners insurance agent placement aligned with loan and property requirements
Clear communication and execution through closing

Our goal is simple: remove friction from the process while protecting timelines and expectations for all parties involved.

A New Kind of Veteran Mortgage Company

Clarity. Coordination. Confidence—From Application to Closing.

The name 9 Line Mortgage is rooted in a military concept. In military operations, a “9-Line” is a standardized request for assistance—designed to communicate critical information clearly, coordinate the right resources, and execute under pressure without confusion.

We apply that same discipline to the mortgage process.

While 9 Line Mortgage is a full-service mortgage loan brokerage, our role extends far beyond originating a loan. We serve as a centralized point of coordination and support for every aspect of acquiring a mortgage, ensuring borrowers, real estate partners, and industry professionals experience a structured, transparent, and predictable transaction.

Who We Serve

Borrowers
You gain a single, knowledgeable point of contact who understands the entire mortgage process and advocates for you from application through funding.

Real Estate Agents
You work with a mortgage partner who values timelines, communicates clearly, and proactively addresses issues before they jeopardize a transaction.

Mortgage & Real Estate Professionals
You can rely on disciplined loan structuring, accurate pre-approvals, and operational consistency that supports smooth closings and long-term relationships.

Our Commitment

Just as the military 9-Line exists to ensure help arrives when it is needed most, 9 Line Mortgage exists to provide structure, guidance, and execution during one of the most significant financial decisions a client will make.

We are not simply a place to obtain a mortgage.
We are a trusted source for coordination, problem-solving, and successful outcomes—every step of the way.

Discover Our Services

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Mortgage Prequalification

Our dedicated mortgage team will thoroughly assess your financial profile, including your income, credit score, assets, and debts, to determine your optimal loan budget. Providing you confidence in your search for a home, knowing you’ve already been preapproved by a lender.

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Purchasing A Home

Your offer has been accepted and you are ready to submit an application for a mortgage. Congratulations! Our team is ready to help you seamlessly navigate the process. Our goal is to ensure you understand your loan options and have access to your loan officer every step of the way.

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Refinance A Home

There are many reasons to refinance your home. Whether you are looking to take cash out for a remodel, purchasing another property, debt consolidation, or simply lowering your current rate. 9 Line Mortgage has loan options to simply your mortgage transaction.

Secure Your Spot

At 9 Line Mortgage, we believe that a large part of the work we do, is consultation. If you’d like to discuss a residential financing solution, please schedule some time with one of our Concierge Loan Officers.

Schedule an Appointment

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“Where service and dedication meet mortgage innovation.”

Fred Kelley - Founder