HAVE it.
Mortgages that Unlock Freedom & Empowerment for DC Residents
HAVE Mortgage & Realty, is a boutique Mortgage Brokerage, specializing in Mortgage loan origination.
We are located in DC and work exclusively with empowering DC residents.
Own more than just a home — Own your future
I don’t just help you buy a home — I help you access the freedom to build a future on your terms. Because homeownership isn’t the finish line — it’s the beginning of a life in bloom.
HAVE the freedom, the opportunities, the security, the wealth, the legacy, the empowerment — all through homeownership. Having it all has never been easier.
Freedom and Empowerment
Our Services
Purchase
As a seasoned mortgage expert, I can help you navigate the pitfalls, educate you on the tips and tricks and get you pre-approved with our tailored mortgage solutions for buyers and investors. The Dream starts here.
Refinance
With my exclusive partnerships with wholesale lenders I can help you get the most of your homes equity to pay off debts, buy an investment property, or obtain a better interest rate and or lower your monthly payments. Save Big and Go Home
Free Consultation
Tell me your goals, share your concerns and bring all the questions and together we will create a plan for your success. With expertise, get it done mindset, I am certain we can find a loan that’s just right for you. Whether your first time homebuyer seasoned investor or want a great refinance rate.
Why a Broker is Better
HAVE Mortgage & Realty is a full spectrum mortgage boutique, offering the best in class service, loan products, and guidance, so you can be assured your partnership with me will result in a dream coming true.
HAVE OPTIONS
HAVE it Mortgage is a boutique mortgage brokerage headquartered in DC, offering an abundance of loan options to fit your unique needs.
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Enjoy as little as 3% down and flexible Fixed rate options.
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Let your earned benefits work for you with VA’s lowest rate, O% down purchase options and more
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For the self employed borrower seeking the best rates and flexibility. Options from bank statements to P&L and more.
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For as little 3.5% down you can secure FHA lowest rates even with credit scores in the mid 500’s.
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Adjustable Rate Mortgages perfect for those seeking the lowest payment option and flexibility. Secure a 5- 10 Year fixed rate.
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For higher-priced homes or unique properties that don’t fit within conventional guidelines.
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Allows homeowners 62 and older to borrow against their home’s equity without monthly payments
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For those seeking to expand their Real Estate Portfolio or a purchase a second home
Testimonials
Jessica Lee
Sep 3rd, 2024, 6:42am
“The loan process was a long and difficult journey but Lawrence Kaplan made it all happen and we truly couldn't of done it without him. He stuck with us and helped us overcome every challenge. Lawrence was always professional and honest throughout the entire process. We can't thank him enough for all of his hard work and for making our dreams of owning a home a reality. We would recommend him to our friends and family and plan on using his services again in the future. THANK YOU!!!!!!!!!”
Brian lee
Sep 2nd, 2024, 1:49pm
“Had an amazing experience with Lawrence will definitely be coming back for future home purchases!”
About
I believe in authenticity, building personal relationships and staying open in everything I do. That’s why you won’t catch me in a suit trying to sell you something you don’t need. What I offer isn’t just a good rate or a polished pitch — it’s real support, creative problem-solving, and a commitment to helping you move forward towards achieving not just your first goal but every goal there after..
My goal is simple: to use the power of a mortgage to help you live more fully, to access the freedom to grow, create and become empowered to live a life in bloom, just how you want it— whether that means buying your first home, building wealth, or creating new possibilities through refinancing.
Yes, I’m confident in my rates and iin my service. But more than that, I’m confident we, together, can unlock a future for tremendous possibility, a home you can thrive in.
HAVE it, a brand founded on a belief. You allowed to reach for more, there is no limit and and having what you want is the foundation for all future dreams to come true.
And I’m here to help you make that happen, every step of the way.
