CONVENTIONAL6.665% rate · 6.923% est. APRFHA6.050% rate · 7.142% est. APRVA6.165% rate · 6.727% est. APRUSDA5.950% rate · 6.756% est. APRDSCR8.240% rate · 8.524% est. APRBANK STATEMENT7.990% rate · 8.269% est. APRSOURCE DATA AS OF NOVEMBER 10, 2026 AT 7:37 AM CT

CONVENTIONAL6.665% rate · 6.923% est. APRFHA6.050% rate · 7.142% est. APRVA6.165% rate · 6.727% est. APRUSDA5.950% rate · 6.756% est. APRDSCR8.240% rate · 8.524% est. APRBANK STATEMENT7.990% rate · 8.269% est. APRSOURCE DATA AS OF NOVEMBER 10, 2026 AT 7:37 AM CT

Assumes an 800 credit score. Estimated APR uses 30-year fixed fully amortizing payments. FHA, VA and USDA assume a $350,000 base loan, $3,000 lender fees and 2.75% points; conventional, DSCR and bank statement assume a $400,000 base loan, $2,400 origination and 2% points. Points are based on the total note amount and lender charges are paid at closing; no credits or odd-days prepaid interest. Conventional, DSCR and bank statement assume 20% down and no MI; FHA assumes 3.5% down, financed 1.75% upfront MIP and estimated declining-balance annual MIP; VA assumes zero down, first use and financed 2.15% funding fee; USDA assumes zero down, financed 1% guarantee fee and 0.35% annual fee. DSCR and bank statement assume no prepayment penalty or additional fees. $700 appraisal is excluded from APR. These assumptions do not verify that the displayed rates are available at the assumed points. Actual rates and eligibility vary. Not a commitment to lend.Assumes an 800 credit score. Estimated APR uses 30-year fixed fully amortizing payments. FHA, VA and USDA assume a $350,000 base loan, $3,000 lender fees and 2.75% points; conventional, DSCR and bank statement assume a $400,000 base loan, $2,400 origination and 2% points. Points are based on the total note amount and lender charges are paid at closing; no credits or odd-days prepaid interest. Conventional, DSCR and bank statement assume 20% down and no MI; FHA assumes 3.5% down, financed 1.75% upfront MIP and estimated declining-balance annual MIP; VA assumes zero down, first use and financed 2.15% funding fee; USDA assumes zero down, financed 1% guarantee fee and 0.35% annual fee. DSCR and bank statement assume no prepayment penalty or additional fees. $700 appraisal is excluded from APR. These assumptions do not verify that the displayed rates are available at the assumed points. Actual rates and eligibility vary. Not a commitment to lend.

Home / Meet the team

The people behind RedZone

Relationships first. Strategy always.

Meet the partners who stay accountable for the strategy, communication and execution from the first conversation through closing.

The partners

Different strengths. One standard.

Mike Jungen and Austin Rafiee work as partners in RedZone Lending, combining deep mortgage experience, local relationships and hands-on execution across residential and investor financing.

Clients do not get passed through a generic funnel. RedZone learns the full situation, explains the tradeoffs and remains accountable for the strategy through closing.

Mike Jungen

Mortgage strategist recognized by D Magazine in 2025 and 2026, with a specialty in translating complicated lending decisions into plain English.

Austin Rafiee

RedZone partner focused on responsive execution, long-term relationships and helping clients and referral partners move cleanly from scenario to closing.

The RedZone standard

No disappearing. No dodging. No mystery.

01
Tell the truth early
Clear expectations beat a comfortable answer that collapses later.
02
Explain the tradeoffs
Clients deserve to understand cash, payment, cost, risk and alternatives.
03
Own the communication
Borrowers and partners should know the status, issue and next move.
04
Protect the relationship
The closing matters. The next ten years matter more.

Why RedZone

Experience that stays in the room.

Partner-ledMortgage strategy and execution

D Magazine2025 and 2026 recognition

Texas + nationwide investorClearly separated lending lanes

DirectPartner-led communication

Put RedZone on the problem

Bring us the goal, the numbers and the weird parts.

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