Conventional Loans
Competitive fixed and adjustable-rate financing — often with as little as 3% down. Down Payment Assistance Programs are available for eligible borrowers.
Loan programs
Financing built around your situation.
Programs change constantly. My job is to know which one fits your income, credit and timeline today — and to tell you plainly when the answer is "wait a few months."
FHA Loans
Flexible credit guidelines with a standard minimum down payment of 3.5% for eligible borrowers. Down Payment Assistance Programs are available for eligible borrowers.
VA Loans
Zero-down financing with no monthly mortgage insurance for veterans, active duty and eligible spouses.
USDA Rural Housing
100% financing for qualifying homes in eligible rural and suburban communities.
Bank Statement Loans
Qualify on 12 or 24 months of business or personal deposits instead of tax returns — built for self-employed borrowers.
Non-QM Loans
Alternative documentation and jumbo options for borrowers whose income doesn't fit traditional underwriting boxes.
DSCR Loans
Investor financing qualified on the property's rental income rather than your personal income.
First-Time Homebuyer
Low down payment programs, credit coaching and step-by-step guidance from pre-approval through closing day.
Down Payment Assistance
Grant and second-lien assistance options that help eligible FHA and Conventional borrowers cover the down payment.
Refinance & Cash-Out
Lower your rate, shorten your term, or turn equity into working capital for what matters next.
Renovation & Construction
Finance the home you want to build or the improvements that make a house truly yours.
Homes for Heroes
Firefighters, EMS, law enforcement, military, healthcare and teachers save with Hero Rewards at closing.
Four easy steps
01
Apply
Complete the short online application — about ten minutes.
02
Review
I call you personally to walk through options, rates and payment scenarios.
03
Approve
Documents are underwritten and your pre-approval letter is issued.
04
Close
We coordinate with your agent and title through closing day.