I put this together so you can see exactly how I work as a loan officer and you can decide if we’re the right fit for your home buying journey.
House of Sull | Justin Sullivan | Licensed MLO at JHL Mortgage 928-351-1432 | justin@jhlmortgageinc.com | NMLS #2675271
My focus is building a mortgage strategy for you.
My Approach
I used to run operations of fast-growing brands — managing people, cash flow, and tough decisions. That trained me to think long-term, move with intention, and never wing it.
Now I bring that same mindset to your mortgage.
I look at the full picture — not just what you're "approved" for.
I help you weigh your options like a long-term investor would — with clarity, not pressure.
My Background
Before lending, I helped build and run consumer brands as head of operations — making payroll, balancing cash flow, and keeping the lights on.
Now, I've stepped into lending to help grow a family business — and bring that same operator's mindset to every client I serve.
Prefer a real conversation? Skip the slides and book a quick 15-minute call.
House of Sull | Justin Sullivan | Licensed MLO at JHL Mortgage 928-351-1432 | justin@jhlmortgageinc.com | NMLS #2675271
The Buy Smart Framework
A proven six-step process that delivers clarity, confidence, and control throughout your entire home buying journey.
1. FIT
Determine your true buying power
2. PRIORITIES
Align your loan with your goals
3. RISK
Identify potential obstacles early
4. STRUCTURE
Design your optimal loan strategy
5. EXECUTION
Seamless, transparent process
6. TRUST
Consistent, reliable communication
House of Sull | Justin Sullivan | Licensed MLO at JHL Mortgage 928-351-1432 | justin@jhlmortgageinc.com | NMLS #2675271
1. FIT — What You Can Really Afford (Not Just What You're Approved For)
I evaluate your complete financial picture to determine true buying power and identify the right loan program for your situation.
Credit Score & History
Your payment track record determines both loan eligibility and interest rates.
Income Stability
Verifiable employment history and consistent income streams.
Available Funds
Down payment requirements plus cash reserves for post-closing security.
Debt-to-Income Ratio
How your existing monthly obligations compare to your gross income.
Property Type & Use
Whether you're buying a primary residence, investment property, or vacation home.
Most lenders stop at pre-approval numbers. I dig deeper—mapping out how your income flows, what changes might be coming, and how it all aligns with your life. Because what you’re approved for and what you can actually commit to aren’t always the same thing.
House of Sull | Justin Sullivan | Licensed MLO at JHL Mortgage 928-351-1432 | justin@jhlmortgageinc.com | NMLS #2675271
2. PRIORITIES — We Center the Loan Around What Actually Matters to You
Most lenders optimize for what's easiest to approve. I optimize for what actually works with your life.
That means looking beyond standard loan terms — and designing a strategy around your lifestyle, cash flow, timeline, and future goals.
Payment Comfort
What monthly payment allows you to maintain your lifestyle while building wealth?
Total Cash Needed at Closing
I structure your loan to preserve cash reserves for life after closing — not drain your accounts upfront.
Timeline Considerations
Coordinating closing schedules with your life events and moving plans.
Future Planning
Considering potential refinancing opportunities, renovation plans, or relocation possibilities.
I've managed P&Ls and navigated cash flow challenges. So I don’t just ask what you could afford. I help you find what you can confidently commit to—based on your lifestyle, financial rhythm, and what’s ahead.
House of Sull | Justin Sullivan | Licensed MLO at JHL Mortgage 928-351-1432 | justin@jhlmortgageinc.com | NMLS #2675271
3. RISK — We Name What Could Get in the Way — Before It Does
Most lenders rush to close and miss the warning signs that derail deals at the last minute.
I identify potential roadblocks early — so we can address them before they become problems.
Credit & Employment Stability
Job transitions, new credit inquiries, or income fluctuations during underwriting can derail your approval.
I build buffer time and organize everything upfront.
Property & Appraisal Challenges
Valuation shortfalls, inspection surprises, or property condition issues can stall your closing.
I prepare contingency plans for common scenarios.
After running operations, I’ve learned the best problems are the ones that never happen. I work ahead so your loan doesn’t derail at the last minute.
House of Sull | Justin Sullivan | Licensed MLO at JHL Mortgage 928-351-1432 | justin@jhlmortgageinc.com | NMLS #2675271
4. STRUCTURE — We Design a Loan Plan That Works for You
Most lenders plug numbers into a system and hand you the default path. I help you design a loan strategy that matches your goals, cash flow, and timeline — and I show you how to use loan structure as a tool to hit your goals.
I analyze your full financial picture to recommend the smartest loan structure — including rate buydowns, lender credits, and strategic down payment choices.
House of Sull | Justin Sullivan | Licensed MLO at JHL Mortgage 928-351-1432 | justin@jhlmortgageinc.com | NMLS #2675271
5. EXECUTION — No Last-Minute Surprises — Just Clear, Clean Progress
You won't spend your time refreshing loan portals or wondering what's happening behind the scenes.
I personally manage every detail from offer to close — because your time, peace of mind, and stress levels matter to me.
Step 1: Pre-approval
Complete financial review and strong pre-approval letter delivered within 24-48 hours — giving you a competitive edge when you find the right home.
Step 2: Offer Support
Lightning-fast pre-approval updates with property-specific details — often delivered within minutes when you're competing against other buyers.
Step 3: Escrow Management
I stay ahead of underwriter requirements by proactively gathering and submitting all necessary documents — preventing those dreaded last-minute delays.
Step 4: Final Approval
Smooth underwriting process with proactive condition management — I clear potential issues before they become problems.
Step 5: Closing
I walk you through every closing document and coordinate directly with the title company — ensuring a confident, stress-free closing day.
Step 6: Post-Close
Your mortgage partnership continues beyond closing — I provide ongoing support, monitor refinancing opportunities, and help you maximize your home's equity potential.
From underwriting to closing, I treat your deal like an operator would—no assumptions, no missed details, and no surprises.
House of Sull | Justin Sullivan | Licensed MLO at JHL Mortgage 928-351-1432 | justin@jhlmortgageinc.com | NMLS #2675271
6. TRUST — You'll Know Where We Stand — Always
No bots, no handoffs — just me from start to finish.
I personally handle your loan and stay available throughout the entire process.
Direct Access to Justin
Text me at 928-351-1432 and get responses within minutes, not hours. I'm available evenings and weekends because home buying doesn't stop at 5 PM.
Weekly Check-Ins (or Sooner if Needed)
You'll receive regular personal updates on your loan progress — typically weekly — so you're never left wondering or waiting for a callback.
Your Mortgage Partner for Life
I monitor market changes and personally reach out when rates drop enough to save you $200+ monthly. Many clients have saved over $50,000 through strategic refinancing.
House of Sull | Justin Sullivan | Licensed MLO at JHL Mortgage 928-351-1432 | justin@jhlmortgageinc.com | NMLS #2675271
Ready to Get Approved?
Let's discuss your homebuying goals and explore what's achievable.
As a licensed mortgage loan originator, I combine strategic planning with seamless execution to make your financing process smooth, strategic, and efficient.
If this approach aligns with your needs, schedule a brief 15-minute call and I'll review your specific options and next steps.