The best available rate. Flexible terms. No matter the complexity of your situation.
Traditional loans when you qualify.
Specialty solutions when you need them.
I check conventional, FHA, VA and jumbo loans first. When your situation calls for something else, I bring a network of 150+ lenders and experience with specialty solutions, find the best terms, and get it closed on time.
From the first conversation to closing.
- Step 01
Start with a conversation
Tell me your goal, the property and your timeline. That’s all it takes to begin.
- Step 02
Traditional options first
I check conventional, FHA, VA and jumbo loans first, because they usually carry the best rates.
- Step 03
Every specialty option, compared
If traditional doesn’t fit, you see the specialty options that do, with their terms side by side.
- Step 04
A checklist built for you
Only the documents your loan actually needs, and updates for you and your agent or CPA all the way through.
- Step 05
Closed on time, with a plan
We close on schedule, and if today’s loan is a bridge or construction loan, the refinance is already planned.
Every option, compared for you.
Traditional loans come first because they usually carry the best rates. When they don’t fit, specialty programs take over.
Traditional loans
FHALower down payment and flexible credit guidelines, insured by the FHA.
VAFor eligible veterans and service members, often with no down payment.
USDAFor eligible rural and suburban homes, often with no down payment. Household income limits apply.
JumboFor homes priced above the conforming loan limit for their county.
First-time buyers & down payment helpPrograms, grants and second loans that make a first purchase easier.
Adjustable-rate (ARM)Fixed for the first 5, 7 or 10 years, then adjusts within set caps.
RefinanceChange your rate, your term or your loan type.
Cash-out refinanceTurn home equity into cash with a new first mortgage.
RenovationFinance the home and the improvements in one loan.
Cash-backed offersCompete like a cash buyer, with financing arranged behind the offer.
Reverse mortgageFor homeowners 62+, to stay in your home or buy your next one. Taxes, insurance and upkeep still apply.
Specialty programs
Self-employed & bank statementQualify on 12 to 24 months of bank statements, a P&L, 1099s or assets instead of tax returns.
Foreign national & ITINFor buyers without a U.S. credit history or Social Security number.
Hard-to-finance condosFor buildings Fannie Mae, Freddie Mac or FHA won’t approve.
Condotel & short-term rentalCondo-hotel units, and nightly-rental income that counts.
Construction & bridgeBuild your own home or a project, from the lot to the long-term loan after.
Rehab & code casesFinance repairs, permit work and lien payoffs, then refinance.
Second mortgage & HELOCBorrow against your equity and keep your first mortgage.
Care homesResidential care homes and small assisted living properties.
Co-opsShare loans for co-op apartments.
Manufactured homesFinancing for manufactured homes, including on owned land.
Rural & acreageHomes on larger parcels, hobby farms and rural property.
Where other lending services give up,
I find the solution.
Most loan officers only understand how to handle routine loans for routine situations. I’m experienced, with a successful track record across a variety of non-traditional and complex scenarios:
Run the numbers. Compare the options.
- Mortgage calculators22 calculators, from payment and affordability to DSCR and VA residual income
- Loan comparisons and guides26 side-by-side comparisons, plus guides to rates, the glossary and more
- Mortgage FAQStraight answers to the questions I hear most
- Loan limits by countyConforming and FHA limits for every county in AZ, CA, FL and OH
Loans by state
Investing outside these four states? Business-purpose loans for investment property, such as DSCR, bridge and fix-and-flip loans, are available in every state.
“My job is simple: get you the best available rate, and get your loan closed on time. Most loans are straightforward. The ones that aren’t are where experience matters most, and that’s the work I’m known for.”
I work with buyers, homeowners and real estate investors through every kind of market. Through a network of 150+ lenders, I compare every program you qualify for, traditional first and specialty when it’s the better path, and keep the process clear from the first conversation to closing.
When your client hears “no,” send them my way.
I work alongside the professionals my clients already trust. I keep you informed at every step, and the client relationship stays yours.
