Assure Loans | Instant Loans Inc.
Award-winning mortgage & loan specialists

The smarter way home starts here

From your first hello to closing day, our team tailors every home loan around your goals. Purchase, refinance, or tap your equity with confidence.

Explore loan options

Rated excellent across Google Reviews

12+
Years of experience
13
States licensed
4.9
Average client rating
A happy family holding keys in front of their new home

Referral-based, client-first service

Access to multiple mortgage wholesalers

Guidance from first hello to closing

Trusted by agents & brokers nationwide

Loan Options

Find the loan that fits your goal

Pick where you want to start. We'll shop the market and build a solution around you — with a real specialist by your side.

Home PurchaseMost popular

For first-time & move-up buyers

Home Purchase

Buying your first home or your next one? We match you with the right program and guide you all the way to the keys.

  • As little as 3% down
  • First-time buyer programs
  • Fast pre-approval letters

This is your one-stop shop when it comes to refinancing and mortgages. When I was in the market …”

Donovan J. Greening · Los Angeles, CA

Home RefinanceLower your payment

Rate & term refinance

Home Refinance

Lower your rate, shorten your term, or reduce your monthly payment with a refinance built around your goals.

  • Reduce monthly payment
  • Shorten your loan term
  • No-obligation rate review

Peter at Assure Loans makes sure you understand every part of your home loan. He took the time t…”

Adam Ponto · Detroit, MI

Cash-Out RefinanceUse your equity

Turn equity into cash

Cash-Out Refinance

Tap into your home's equity for renovations, debt consolidation, or life's big moments — on your terms.

  • Fund home renovations
  • Consolidate high-interest debt
  • Flexible cash-out limits

They found me a rate that two other lenders said was impossible. Saved me hundreds a month on my…”

Jennifer Cole · Tampa, FL

I had an outstanding experience refinancing my home with Assure Loans. From start to finish, the process was smooth, transparent, and stress-free. They took the time to explain every step, always responded quickly, and worked hard to get me a great rate. Their team truly goes above and beyond — I couldn't be happier with the results.
Jason AuxierVerified Google Review · Refinance
4.9
169+ reviews

How It Works

A clear path from application to close

We make a stressful process a positive one with a simple, guided approach at every step.

01

Tell us your goal

We start with a real conversation to understand your plans, timeline, and budget — not just a rate.

02

We shop the market

As specialists, we search several mortgage wholesalers to find the financial solution that fits you best.

03

Review your options

We show you how and why each option makes sense, so you can decide with full clarity and confidence.

04

Close with confidence

We guide your application from approval to closing day — and stay a resource long after.

As a first-time buyer I was terrified of the whole process. The team walked me through every document and made it feel simple. I actually enjoyed it.
Tyler BrooksDenver, CO · Conventional

Payment Calculator

Estimate your monthly payment

Adjust the numbers to get a quick estimate. Final terms are tailored to your unique financial picture.

$450,000
20%
30 yrs
6.5%

Loan amount

$360,000

Total interest

$459,160

Total paid

$819,160

Estimated monthly payment

$2,275

Principal & interest · 30-year fixed

Estimates only. Taxes & insurance not included.

Programs

The right loan type for you

Every client has a different story. We help you understand each program beyond the cost and interest rate.

Conventional Loans

The most common and sought-after programs, built to fit a wide range of buyers and budgets.

FHA Loans

Government-backed mortgages insured by the Federal Housing Administration, great for lower down payments.

VA Loans

Excellent options for the veterans and service members we're proud to serve across the nation.

USDA Loans

Zero-down financing designed to make homeownership attainable in eligible rural and suburban areas.

As a veteran, my VA loan can be complicated. Assure Loans knew every detail and got me the full benefit I earned. Respectful, fast, and honest.
Marcus ReedNashville, TN · VA Loan
4.9
169+ reviews
A comfortable, well-lit home interior

12+

Years of experience

Who We Are

A financial solution for everyone we speak with

Goals are meant to be met and dreams are there to be built. From purchase and refinance to being entrusted by real estate agents, our team is dedicated to a more intimate understanding of how we can help — turning a stressful process into a positive one.

  • We dig deep to understand your true goal for a home loan
  • Programs tailored specifically around your financial needs
  • A budget that works for the closing and the years after
  • Trusted by real estate agents and brokers nationwide
Peter Elia, Founder of Assure Loans

Peter Elia

Founder & Loan Specialist

A Message From The Owner

Why I started Assure Loans

I got into this business because I watched too many good people feel confused, rushed, or unheard when they were making one of the biggest financial decisions of their lives. I knew there was a better way — one built on real conversations, honest advice, and a plan that actually fits your life.

When you work with Assure Loans, you're not a file number. I take the time to understand your goals, walk you through every option in plain language, and stay in your corner from the first call all the way to the closing table. Your win is my win, and I treat every client the way I'd want my own family treated.

  • 12+ years guiding families through the loan process
  • Personally reachable from your first call to closing day
  • Built on honesty, education, and doing right by every client

Peter Elia

Founder, Assure Loans · NMLS #1237697

248-929-5764

Service Areas

Licensed where you call home

As a licensed mortgage specialist, we proudly serve homeowners and buyers across the country.

CaliforniaColoradoFloridaGeorgiaKansasKentuckyLouisianaMichiganMinnesotaOregonPennsylvaniaSouth CarolinaTennesseeTexas

Reviews

Thousands of happy homeowners

Don't just take our word for it. Here's what real clients say about working with Assure Loans on Google.

This is your one-stop shop when it comes to refinancing and mortgages. When I was in the market for a condo, the Assure Loans team guided me through the entire process from start to finish.
DGDonovan J. GreeningLos Angeles, CA · Home Purchase
Peter at Assure Loans makes sure you understand every part of your home loan. He took the time to explain the details in a manner that was easy and comprehensive. Highly recommend!
APAdam PontoDetroit, MI · Refinance
I had an outstanding experience refinancing my home with Assure Loans. From start to finish, the process was smooth, transparent, and stress-free. They took the time to explain every step, always responded quickly, and worked hard to get me a great rate. Their team truly goes above and beyond — I couldn't be happier with the results.
JAJason AuxierVerified Google Review · Refinance
From our first phone call to closing day, the communication was incredible. I never had to chase anyone for answers — they were always a step ahead of me.
MSMaria SanchezAustin, TX · FHA Loan
As a first-time buyer I was terrified of the whole process. The team walked me through every document and made it feel simple. I actually enjoyed it.
TBTyler BrooksDenver, CO · Conventional
They found me a rate that two other lenders said was impossible. Saved me hundreds a month on my refinance. These guys really do shop the market for you.
JCJennifer ColeTampa, FL · Cash-Out Refinance
As a veteran, my VA loan can be complicated. Assure Loans knew every detail and got me the full benefit I earned. Respectful, fast, and honest.
MRMarcus ReedNashville, TN · VA Loan
Professional, patient, and genuinely kind. They treated my small loan with the same care a huge one would get. That says everything about this company.
PNPriya NatarajanSacramento, CA · Refinance
We closed on our dream home two days early. The whole team was responsive on nights and weekends whenever we had questions. Five stars isn't enough.
DHDavid & Karen HollisGreenville, SC · Home Purchase
I've bought three homes and this was by far the smoothest mortgage experience I've ever had. I won't use anyone else going forward.
RKRobert KlinePittsburgh, PA · Conventional
The USDA loan process felt overwhelming until I called Assure Loans. Zero down, clear guidance, and a team that actually returned my calls.
AMAshley MonroeLexington, KY · USDA Loan
Honest advice with no pressure. They told me when it made sense to wait and when to move. That kind of integrity earned my trust and my referrals.
GTGregory TanPortland, OR · Refinance
Read all reviews on Google

Showing 12 of 169+ verified 5-star Google reviews.

We closed on our dream home two days early. The whole team was responsive on nights and weekends whenever we had questions. Five stars isn't enough.
David & Karen HollisGreenville, SC · Home Purchase

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Contact

Let's move your goals forward

For any general inquiries or to start your application, reach out and our team will guide you step by step.