Trusted lending for ambitious buyers who value reliability and expertise.
Max leverages market fluency, trusted lending relationships, and a proven closing team to deliver financing built on integrity, transparency, and unwavering reliability.
$100M+
Loan volume guided
99%
Client satisfaction
10+
Years in lending
Current Rates
Today's competitive mortgage rates at a glance.
Sample rates updated daily. Your actual rate depends on credit profile, loan amount, property type, and current market conditions.
| Loan Type | Rate | APR | Monthly Payment |
|---|---|---|---|
30-Year Fixed | 6.875% | 6.950% | $3,289 |
20-Year Fixed | 6.625% | 6.710% | $3,726 |
15-Year FixedPopular | 6.125% | 6.225% | $4,279 |
10/1 ARM | 6.375% | 7.125% | $3,117 |
7/1 ARM | 6.500% | 7.250% | $3,160 |
5/1 ARM | 6.625% | 7.375% | $3,203 |
FHA 30-Year | 6.250% | 6.875% | $3,078 |
VA 30-Year | 6.125% | 6.350% | $3,033 |
Jumbo 30-Year | 7.000% | 7.075% | $3,326 |
Rate
6.875%
APR
6.950%
Monthly
$3,289
Rate
6.625%
APR
6.710%
Monthly
$3,726
Rate
6.125%
APR
6.225%
Monthly
$4,279
Rate
6.375%
APR
7.125%
Monthly
$3,117
Rate
6.500%
APR
7.250%
Monthly
$3,160
Rate
6.625%
APR
7.375%
Monthly
$3,203
Rate
6.250%
APR
6.875%
Monthly
$3,078
Rate
6.125%
APR
6.350%
Monthly
$3,033
Rate
7.000%
APR
7.075%
Monthly
$3,326
Rate Assumptions & Disclaimers
Sample rates shown for a $500,000 loan amount with 20% down payment, 740+ credit score, single-family primary residence, and 45-day lock period. Monthly payments shown are principal and interest only.
APR (Annual Percentage Rate): Reflects the total cost of the loan including interest rate and fees, expressed as a yearly rate.
Rates subject to change without notice. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before making decisions. Maximum Lending Co. NMLS #2170032.
Calculator
Calculate your complete monthly payment with taxes, insurance, and PMI.
Get a comprehensive view of your total housing costs. This advanced calculator includes property taxes, homeowners insurance, PMI, and HOA fees for accurate budgeting.
Loan Details
Enter your home purchase details
Total Monthly Payment
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Including all costs
About
Meet Max—your strategic partner in mortgage excellence.
Maximillon Bean
Founder & Senior Loan Officer
With over 10 years in the mortgage industry, Max has built Maximum Lending Co. on a foundation of integrity, expertise, and genuine care for every client's financial future.
What sets Max apart isn't just market knowledge—it's the ability to translate complex financing options into clear, actionable strategies tailored to your unique situation. Whether you're a first-time buyer navigating uncharted waters or a seasoned investor optimizing your portfolio, Max brings the same level of dedication and precision to every engagement.
The Maximum Lending philosophy is simple: your mortgage should work for your life, not the other way around. That means proactive communication, transparent guidance, and solutions engineered to help you achieve your goals—not just close a transaction.
NMLS #2170032
Licensed Mortgage Loan Originator
Equal Housing
Fair lending for all qualified buyers
10+ Years
Industry experience and expertise
Our Core Values
Precision
Every detail matters. From rate analysis to closing coordination, we execute with meticulous attention to your unique situation.
Partnership
Your success is our success. We work alongside you as trusted advisors, not just transaction processors.
Excellence
We hold ourselves to the highest standards, continuously improving to deliver exceptional outcomes for every client.
Our Mission
"To empower every client with the knowledge, strategy, and support they need to make confident mortgage decisions—transforming what's often a stressful process into a seamless journey toward homeownership."
— Maximillon Bean, Founder
Services
Strategies engineered to keep you effortlessly ahead of the market.
Partnerships with 30+ luxury-focused lenders and private banking desks mean your financing is built around your life, not the other way around.
Elite Purchase Strategy
Navigate jumbo, conventional, and portfolio lending with a strategist who tailors every structure to your goals and timeline.
- Scenario modeling and offer optimization
- Direct coordination with agent and closing team
- Rate-lock strategy to protect against volatility
Wealth-Focused Refinancing
Unlock equity, consolidate debt, or reinvest with precision. Max engineers refis that enhance your broader wealth plan.
- Equity positioning and cash-out analysis
- Arm's-length lender negotiation
- Holistic payment and tax review
Private Client Concierge
Experience a white-glove process with curated updates, proactive communication, and a team that anticipates every detail.
- Bi-weekly status briefings
- Underwriting advocacy and document prep
- Closing-day coordination and beyond
Signature Mortgage Playbook
A personalized roadmap covering financing options, rate movement watchpoints, and actionable next steps delivered within 24 hours.
Loan Products
Financing solutions tailored to every buyer's unique journey.
Whether you're a first-time buyer, veteran, luxury homeowner, or investor, Max has access to the right loan structure to match your goals and timeline.
Conventional Loans
The most popular mortgage option with competitive rates and flexible terms for qualified buyers.
- Down payment as low as 3%
- Loan amounts up to $766,550
- 15, 20, or 30-year terms
- No upfront mortgage insurance
FHA Loans
Government-backed loans ideal for first-time buyers or those with lower credit scores.
- Down payment as low as 3.5%
- Credit scores from 580
- Flexible debt-to-income ratios
- Assumable mortgages
VA Loans
Exclusive benefit for veterans, active military, and eligible spouses with no down payment required.
- 0% down payment
- No private mortgage insurance
- Competitive interest rates
- Limited closing costs
Jumbo Loans
High-balance financing for luxury properties exceeding conventional loan limits.
- Loan amounts above $766,550
- Competitive rates for qualified buyers
- Flexible terms and structures
- Portfolio lending options
Fixed-Rate Mortgages
Predictable payments with interest rates that never change over the life of your loan.
- Rate locked for entire term
- Predictable monthly payments
- 15, 20, or 30-year options
- Build equity faster with shorter terms
Adjustable-Rate (ARM)
Lower initial rates that adjust periodically, ideal for shorter-term homeownership plans.
- Lower initial interest rate
- Rate caps protect against spikes
- 5/1, 7/1, 10/1 ARM options
- Perfect for 5-7 year ownership
Portfolio Loans
Flexible in-house lending solutions held by the lender, offering customized terms beyond traditional guidelines.
- Flexible underwriting criteria
- Unique property types accepted
- Custom loan structures
- Relationship-based lending
DSCR Loans
Investment property financing based on rental income rather than personal income—perfect for real estate investors.
- No personal income verification
- Based on property cash flow
- Ideal for rental properties
- Close in LLC or entity name
Bank Statement Loans
Qualify using 12-24 months of bank statements instead of tax returns—ideal for self-employed borrowers.
- No tax returns required
- 12 or 24 month statements
- Perfect for self-employed
- Business or personal deposits
Asset Depletion
Use your liquid assets to qualify for a mortgage without traditional employment income verification.
- No employment required
- Use retirement/investment accounts
- Ideal for retirees & high-net-worth
- Flexible asset calculations
Non-QM Loans
Alternative lending solutions for borrowers who don't fit traditional mortgage guidelines.
- Recent credit events OK
- Alternative income documentation
- Interest-only options available
- Expanded DTI ratios
Not sure which loan is right for you? Max will analyze your financial profile, goals, and timeline to recommend the optimal loan structure—often revealing options you didn't know existed.
Process
A guided path that feels effortless from hello to closing table.
Curated Discovery
A 30-minute strategy call that captures your ambitions, timelines, and lending preferences.
You leave with a personalized roadmap and document checklist the same day.
Precision Pre-Approval
Data-backed underwriting that anticipates questions before the lender asks them.
Expect a competitive pre-approval letter delivered within 24 hours.
Offer Execution
Max collaborates with your agent to align financing strategy with negotiation moves.
Scenario analysis, rate monitoring, and quick pivots keep you in control.
Close and Beyond
A concierge closing desk coordinates every signature, transfer, and post-close insight.
Receive a 12-month equity and rate review to keep your portfolio optimized.
Testimonials
Clients trust Max to deliver clarity, calm, and closings that impress.
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