One Broker. 300+ Lenders. Zero Retail Red Tape.
Backed by 17 years of guidance and a U.S. Veteran-led approach, we shop wholesale rates across the nation so you can close with absolute confidence—whether it's your first home, your next investment, a self-employed scenario, or a deal a retail bank walked away from.
The Standard We Stand By
Whether this is your first hime or your fiftieth transaction, here is what you can expect:
01/ For Buyers: Absolute Certainty, Zero Surprises
You aren't just getting a loan; you're making one of the largest financial commitments of your life. We don't hide behind banking jargon or automated portals that leave you in the dark.
We map out a clear, pressure-free strategy from day one, giving the power of 300+ wholesale lenders so you can always know you got the sharpest deal possible.
02 / For Realtors: Your Reputation is Bulletproof
We know how hard you worked to earn your client's trust. When you hand a file to us, we treat it with the exact same care—because your name is on the line, too.
From proactive communication to keeping contract deadlines airtight, we ensure every transaction makes you look exceptional.
Conventional & Government (Core Purchase & Refi)
Conforming fixed & ARM, FHA down to 500 FICO, VA, USDA, high balance, jumbo & jumbo VA, no-FICO FHA & VA, and down payment.
Solid, foundational financing structured to give you competitive leverage fro day one.
Self-Employed & Investor (Flexible Qualifying)
Bank statement programs, DSCR, no income verification, interest-only options, 40-year terms, fix & flip, hard money, and commercial.
Built for business owners and investors whose tax returns don't reflect their true financial capacity.
Equity, Build & Land (Speciality Financing
HELOCs & seconds, piggyback loans, bridge loans (Buy Before You Sell), reverse mortgages, all-inane loans, 1-time close construction, 203(k) & renovation, plus land, lot, farm and ranch.
Advanced financing options to help move-up sellers and builders execute complex transactions seamlessly.
Unique Situations (Non-Traditional Borrowers)
ITIN programs, commercials, SBA, foreign nationals, non-warrantable condos, recent bankruptcy & foreclosure solutions, doctor loans, manufactured homes, and church loans.
Turning complex or restricted scenarios into clear-pre-approvals.
A Track Record Built on Execution
$500M+
Funded Mortgages
97%
Client Satisfaction
2000+
Happy Homeowners
17
Years of Expertise
"Homeownership isn't just a transaction or a monthly payment. Done right, it remains one of the most powerful life changing paths to building wealth."
Nick Oltman
Have a tricky scenario, a self-employed case,
or a Loan Estimate you want to put to the test?
Let's run the numbers together.
Founder & Principal, Oltman Management Group
Success Stories
Don't take our word for it. Here's what happens when you put your trust in our team.
"As a self-employed business owner, I was used to traditional banks shutting down my application or getting lost in endless paperwork. Nick and his team looked at my cash flow, figured out a program for my situation, and got us to closing without a single headache."
Marcus Vance
(Homeowner)
"In our market, a clean, dependable lender is everything. When I send a client to Nick, I know contract deadlines will stay on track and communication will never got dark. He makes my entire team look good."
Jessica Alpert
(Local Realtor)
"We thought we were stuck waiting because we didn't want a home-sale contingency. Nick showed us how to use bridge financing to secure our new home first. Absolute game-changer for our family.
David & Elena Rostova
(Homeowners)