Egan Financial Group LLC
Looking up an office tower through a maple canopy

For real estate agents

A mortgage banker who helps your buyers close on the date you wrote.

Egan Financial Group LLC is a micro Independent Mortgage Banker. We take the application, approve the loan, and fund it in our own name. Refer buyers here and you give your clients a lower-rate shop than a stadium-ad lender — plus a real pre-approval letter, money at the closing table, and a person who picks up when the seller’s agent calls.

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After the commission rules changed

Referring here is an advantage: a lower rate for your clients, and a closing date you can count on.

In 2024 the National Association of Realtors settled commission lawsuits. Buyers now sign a written agreement for the work you do. The agents who stand out are the ones who also send your clients to a lender that can beat the big shops on rate and still fund on time.

That is the advantage of referring to Egan Financial Group LLC. We do not put stadium ads, a floor of managers, or a national call center into the rate. On the same kind of loan, a small Independent Mortgage Banker can offer a lower rate than a big retail lender. You are the one who introduced them. Written by Bill Egan, NMLS 7342

Where deals go sideways

Five problems we hear from agents, and what we do about them

Missed dates, letters nobody will confirm, surprise costs, and a lender who does not answer. That is how a good offer falls apart.

The lender misses the closing date

The seller is asking why the buyer cannot sign. The deposit is sitting in escrow. Your buyer thinks you sent them to the wrong lender.

Egan Financial Group LLC takes the application, approves the loan, and funds it in our own name. The money is at the closing table. We are not waiting on a national line or a third company to send a wire. You also sent them to a shop that can offer a lower rate than a big lender with stadium ads.

No one picks up the phone when the seller’s agent calls to verify the pre-approval letter

The seller’s agent calls the number on the letter and gets voicemail or a call center. They cannot confirm the buyer is approved. Your offer looks weaker than the next one.

We pick up. The letter is written after we have reviewed the buyer’s documents, not from a website form. The letter tool has safety limits: it will not print if the buyers are not approved for that loan amount. If the letter prints, you know you have a strong approval. If it stops you, we can get together with the client and strategize on how to get approved for the higher purchase price.

You cannot get a new letter on a Sunday

The seller wants a different purchase price tonight. The big-bank loan officer is off until Monday. Your buyer cannot send an updated letter while another offer is being written.

You and the buyer can print a new pre-approval letter any hour. The letter tool has safety limits: it will not print if the buyers are not approved for that loan amount. If the letter prints, you know you have a strong approval. If it stops you, we can get together with the client and strategize on how to get approved for the higher purchase price. You do not wait for the bank to open.

The final costs do not match what the buyer was quoted

The buyer sees new charges on the last form before they sign. They thought the number was settled. They are upset, and they bring that to you even though you did not make the loan.

We send the Closing Disclosure — the five-page form with the final rate, payment, and costs — when the loan is approved, not the night before signing. The buyer has time to compare it to the earlier cost sheet. We do not put stadium ads in the rate, which is how we work to come in lower than a big lender on the same kind of loan.

Tired of getting ghosted when a problem arises

Insurance, title, or the condo board slows the file down. The lender goes quiet. You find out late, and the seller’s agent is already calling you.

When a third party creates a problem, it is all hands on deck. We tell you as soon as we know. No surprise bombs and no radio silence.

Side by side

What you get when you send the buyer here versus a big retail shop

A bank and a big retail lender can send the money. The loan still often waits in a line you cannot see. We send the money too — in this company’s name — without putting stadium ads into the rate your buyer pays.

On the dealEgan Financial Group LLCBig retail / big bank
Who funds the loan?Egan Financial Group LLC. Money at the closing table.A national desk, often after a wait.
Who answers when the seller’s agent calls?The same office that approved the loan.Whoever picks up the 800 number, if anyone does.
Updated pre-approval on a weekend?Print any hour. If it prints, they are approved for that amount.Usually wait until Monday.
When does the buyer see final costs?When the loan is approved, so they have time to read it.Often at the last minute, which can move the closing date.
What the buyer pays for in the rateA small mortgage banker. Built to offer a lower rate than a stadium-ad lender.Stadium ads, managers, and a call center.

Illustration of the model, not a timed study and not a quote.

Common questions

Why would a real estate agent refer a buyer to Egan Financial Group LLC?
Because we take the application, approve the loan, and send the money in our own name. You give your clients a lower-rate option than a big retail lender — we do not put stadium ads in the loan — and a shop that funds on the date you wrote in the contract. Egan Financial Group LLC (NMLS 2647764).
How does a lender help a Realtor after the NAR settlement?
Since the 2024 NAR settlement, buyers sign a written agreement for the work you do. Sending them to a lender that can beat a big shop on rate and still close on time is part of that work. That is the advantage of referring to Egan Financial Group LLC.
What happens when the seller’s agent calls to verify the pre-approval?
We pick up the phone. The letter is written after we have reviewed the buyer’s documents, not from a website form. The letter tool has safety limits: it will not print if the buyers are not approved for that loan amount. If the letter prints, you know you have a strong approval. If it stops you, we can get together with the client and strategize on how to get approved for the higher purchase price.
Can a buyer close in about 14 days with Egan Financial Group LLC?
That is the average time our files are cleared to close when the documents are in. We approve the loan and fund it here, so it is not sitting in a national line. A two-week close is something you and the buyer can put in the offer when the seller cares about the date. We will not promise a date the loan cannot support.
Why do agents warn buyers away from big-bank mortgages?
Because a missed closing date can cost the buyer the house, and the big-lender rate is often higher because someone has to pay for the ads. Large shops can still send the money, but the file often moves through departments the loan officer does not control. Egan Financial Group LLC is a small mortgage banker with the same funding power, one shop, and a rate that is not carrying stadium ads.
Can my buyer get a lower rate than at a big retail lender?
That is why agents send people here. We do not invent a rate on this page — credit, the home, and the lock still matter — but we do not add stadium ads, a floor of managers, or another company in the middle of the loan. A small mortgage banker can offer a lower rate than a big retail lender on the same kind of loan. You are the person who introduced them.
How does a real estate agent start sending buyers?
Call the office or have the buyer start the 10-minute approval. Send the purchase contract when you have it. You become one of the partners who can send clients to a lower-rate banker that still funds the loan. Egan Financial Group LLC NMLS 2647764.
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