Your home.
Your wealth.
Your future.
I'm Mark Rowland — a mortgage advisor who delivers straight answers, clean closings, and loan solutions tailored to your unique situation. Whether you're buying your first home, growing your portfolio, or protecting your retirement, I'll guide you every step of the way.
Clear communication.
Clean closings.
Real results.
I help people of all ages and backgrounds obtain Forward and Reverse Mortgage financing that fits their lives. Owning real estate has always been one of the most reliable paths to building wealth — and my job is to be your guide on that journey, from your very first purchase to investment properties and strategic refinances.
I work with seniors to preserve their Retirement Portfolios by implementing a Coordinated Withdrawal Strategy that has been shown to reduce the risk of portfolio exhaustion by up to 7x while increasing portfolio returns up to 2x — as published in the Journal of Financial Planning.
I network with Financial Planners, CPAs, Attorneys, Insurance Brokers, and Real Estate Agents so we can create a synergistic effect on your financial life — not just process a loan. My commitment is to earn your trust, build a lasting relationship, and always find the option that best serves your goals.
Every borrower is different.
I find the loan that fits yours.
Two decades of scenarios have taught me one thing: the right loan isn't always the obvious one. I dig deeper to find the structure that actually works for you.
First-Time Buyers & Purchases
The home-buying process can feel overwhelming — but it doesn't have to be. I walk you through every step, explain your options in plain language, and make sure you close with confidence. FHA, Conventional, VA, and USDA options available.
View loan options →Investors & Self-Employed Borrowers
Tax returns don't tell your whole story. Bank Statement loans, DSCR, and P&L programs are built for people who earn outside the traditional W-2 mold. I specialize in helping investors scale and self-employed borrowers qualify cleanly.
DSCR & Bank Statement loans →Seniors & Reverse Mortgages
A Reverse Mortgage, used strategically, can reduce the risk of portfolio exhaustion by up to 7x and increase retirement returns by up to 2x. I help seniors and their families understand whether a Reverse Mortgage for Purchase or a Wealth Preservation strategy is right for them.
Talk to Mark about reverse mortgages →Whether it's straightforward or complex — I'll get you to the closing table.
From first homes to commercial investments, I work across a wide range of loan types so you always have the right structure for your scenario.
Conventional
Primary homes, second homes, and investment properties with competitive pricing. Flexible down payment options starting at 3% for qualified buyers.
FHA Loans
Flexible credit and down payment requirements — as low as 3.5% down. Ideal for buyers who are building their credit profile or purchasing their first home.
VA Loans
0% down financing for eligible veterans and active-duty service members. One of the best mortgage products available — and you've earned it.
Jumbo Loans
Financing above conforming limits with competitive fixed and adjustable rate options. Ideal for buyers in high-cost markets across CA, WA, and TX.
Bank Statement Loans
Qualify using 12–24 months of bank statements instead of tax returns. Built for entrepreneurs and business owners whose income doesn't fit the traditional mold.
DSCR Loans
Debt Service Coverage Ratio loans underwritten on property income — not your personal income. Perfect for scaling a real estate portfolio without W-2 constraints.
P&L Loans
Qualify using Profit & Loss statements prepared by a licensed CPA or accountant. A clean alternative documentation path for self-employed borrowers.
Reverse Mortgages
Traditional Reverse Mortgage, Reverse Mortgage for Purchase, and Coordinated Wealth Preservation strategies backed by peer-reviewed research from the Journal of Financial Planning.
Commercial Loans (All Types)
Multi-family, office, retail, and medical properties — owner-occupied or investment. I'll structure terms to fit your asset, cash flow, and long-term investment goals.
Helping borrowers across four states.
Whether you're buying in California, investing in Texas, relocating to Washington, or settling in Kansas — I have the licensing and local knowledge to guide you through the process.
California CA
Serving borrowers across the state including Los Angeles County, Ventura County, Orange County, San Diego, the Bay Area, Sacramento, and surrounding regions.
Texas TX
Helping borrowers statewide including Dallas–Fort Worth, Houston, Austin, San Antonio, and surrounding communities. Strong investor and commercial lending expertise.
Washington WA
Serving Washington borrowers including Seattle, Tacoma, Bellevue, Everett, Spokane, and beyond. Experienced with the competitive Pacific Northwest market.
Kansas KS
Serving Kansas borrowers including Wichita, Overland Park, Olathe, Lawrence, and nearby areas. Knowledgeable in Kansas-specific programs and guidelines.
Explore Your Loan Scenarios
Run the numbers before we talk. These estimates help frame the conversation — then I'll fine-tune everything based on your actual situation.
Summary
Enter your information and click Calculate to see your results.
Disclaimer
Results from these calculators are for comparison and educational purposes only. Accuracy is not guaranteed. Calculations do not constitute a pre-qualification or commitment to lend. Actual rates, terms, payments, and qualifying amounts are subject to credit approval, underwriting review, and market conditions. Contact Mark Rowland at Xpert Home Lending Inc. (NMLS #1544568 / #2179191) for a personalized quote.
I'm not just your loan officer.
I'm your partner in wealth creation.
Mortgage financing is just one piece of your financial picture. I care deeply about the people I work with — which is why I take the time to understand your full situation, connect you with trusted professionals in my network, and ensure every decision we make together moves you closer to your long-term goals. I take good care of the people I work with and build lasting relationships.
Let's find the right loan for your situation.
Every scenario is different — and the first conversation costs nothing. Tell me what you're trying to do, your timeline, and any special circumstances. I'll map out your options and next steps clearly and honestly.
Call or Text
310-710-2255Corporate Office
1100 Satellite Blvd NW, Suwanee, GA 30024Request a Quote or Call
Fill out the form and I'll reach out within one business day.