Mortgage solutions
The Right Loan for Your Life
Every borrower is different. I work with a wide range of loan programs to find the one that fits your goals, your budget, and your timeline.
Conventional Loan
The go-to choice for buyers with solid credit and a down payment of 3–20%. Competitive rates, flexible terms, and no upfront mortgage insurance with 20% down.
- Down payment as low as 3%
- 15 or 30-year fixed terms
- No PMI with 20% down
- Ideal for strong credit profiles
Ideal for: Buyers with good credit and stable income
FHA Loan
Backed by the Federal Housing Administration, FHA loans are designed to make homeownership accessible — with lower credit score requirements and a minimal down payment.
- Down payment as low as 3.5%
- Credit scores from 580+
- Flexible qualification standards
- Great for first-time buyers
Ideal for: First-time buyers or those rebuilding credit
VA Loan
An exclusive benefit for eligible veterans, active-duty service members, and surviving spouses. VA loans offer exceptional terms — including zero down payment and no PMI.
- Zero down payment required
- No private mortgage insurance
- Competitive interest rates
- For veterans & active military
Ideal for: Veterans, active-duty service members, and surviving spouses
Jumbo Loan
Financing for properties that exceed conventional loan limits. Jumbo loans are ideal for luxury or high-cost market purchases, with competitive rates for qualified borrowers.
- Loan amounts above conforming limits
- Primary, second home & investment
- Competitive rates for strong profiles
- Flexible property types
Ideal for: Buyers in high-cost markets or purchasing luxury homes
Refinance
Already own a home? Refinancing can lower your monthly payment, reduce your interest rate, shorten your loan term, or unlock your home's equity for other goals.
- Rate & term refinance
- Cash-out refinance available
- Streamline options for FHA & VA
- Reduce your monthly payment
Ideal for: Existing homeowners looking to save or access equity
USDA Loan
A government-backed loan for eligible rural and suburban homebuyers. USDA loans offer zero down payment and reduced mortgage insurance for qualifying properties and income levels.
- Zero down payment
- Reduced mortgage insurance
- For eligible rural/suburban areas
- Income limits apply
Ideal for: Buyers in eligible rural or suburban areas
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Solutions for Every Borrower
Not every borrower fits the same mold. These specialized programs open doors for investors, ITIN filers, and buyers who need help with their down payment.
DSCR Loans
Debt Service Coverage Ratio loans qualify based on the property's rental income — not your personal income or tax returns. Perfect for real estate investors looking to grow their portfolio.
- No personal income or tax returns required
- Qualify based on rental income
- Purchase & cash-out refinance available
- Short-term & long-term rentals eligible
Ideal for: Real estate investors and landlords
ITIN Loans
Homeownership is possible without a Social Security Number. ITIN loans are designed for borrowers who file taxes using an Individual Taxpayer Identification Number — no SSN, no problem.
- No Social Security Number required
- ITIN accepted in place of SSN
- Purchase or refinance eligible
- Primary residence & investment property
Ideal for: Non-U.S. citizens and ITIN filers
Down Payment Assistance (DPA)
Don't let a down payment stand between you and your home. DPA programs provide grants and forgivable second mortgages to cover your down payment and closing costs — for both first-time and repeat buyers.
- Up to 100% financing available
- Grants & forgivable second mortgages
- First-time AND repeat buyers eligible
- Can cover down payment & closing costs
Ideal for: First-time and repeat buyers with limited savings
How it works
From application to closing — I've got you.
Free Consultation
We start with a conversation about your goals, timeline, and financial picture. No pressure, no commitment.
Pre-Approval
I'll review your financials and issue a pre-approval letter so you can shop with confidence and make strong offers.
Loan Selection
Together we'll choose the loan program that best fits your situation — rate, term, and structure all aligned to your goals.
Processing & Closing
I handle the paperwork and keep you informed every step of the way. We close on time, every time.
Not sure which loan is right for you?
That's exactly what I'm here for. Let's talk through your options — no jargon, no pressure.