Services

Let's find what fits.

I work with a wide range of loan programs so I can say yes more often — and find the right fit for your goals, not just the easiest option.

VA Loans

Exclusive benefits for veterans, active military, and eligible spouses.

Ideal for: Veterans, active-duty service members, and eligible spouses

Key Benefits

Zero down payment required
No private mortgage insurance (PMI)
Competitive interest rates
Flexible credit requirements
Funding fee can be rolled into loan

Conventional Loans

Traditional financing with competitive rates and flexible terms.

Ideal for: Buyers with good credit and stable income

Key Benefits

Down payments as low as 3%
No upfront mortgage insurance
PMI removable at 20% equity
Higher loan limits available
Various term options (15, 20, 30 years)

FHA Loans

Government-backed loans built for first-time homebuyers.

Ideal for: First-time buyers and those with limited savings

Key Benefits

As low as 3.5% down payment
Lower credit score requirements
Gift funds allowed for down payment
Assumable by future buyers
Streamlined refinance options

USDA Loans

100% financing for eligible rural and suburban properties backed by the U.S. Department of Agriculture.

Ideal for: Buyers in eligible rural and suburban areas with moderate income

Key Benefits

Zero down payment required
No private mortgage insurance (PMI)
Below-market interest rates
Flexible credit guidelines
Available for purchase and refinance

Refinancing

Lower your rate, access equity, or restructure your loan.

Ideal for: Homeowners looking to save money or access equity

Key Benefits

Lower your interest rate
Reduce monthly payments
Cash-out refinance for home equity
Switch from ARM to fixed rate
Consolidate debt

DSCR Loans

Qualify on property cash flow — no personal income verification needed.

Ideal for: Real estate investors and self-employed borrowers

Key Benefits

No personal income verification
Qualification based on property cash flow
Multiple properties allowed
Purchase and refinance options
Up to 80% loan-to-value

Condo-Tel Loans

Specialized financing for condominium-hotel units that don't qualify for conventional lending.

Ideal for: Buyers of resort, vacation, or investment condo-hotel properties

Key Benefits

Financing for resort-style condo hotels
Purchase or refinance options
Investment and vacation use allowed
Flexible qualification criteria
Access to non-warrantable condo financing

Bank Statement Loans

Qualify using 12–24 months of bank statements instead of traditional tax returns.

Ideal for: Self-employed borrowers and entrepreneurs with strong deposits

Key Benefits

No tax returns required
12 or 24 month bank statement options
Personal or business statements accepted
Self-employed friendly
Purchase and refinance available

Doctor Loans

Physician-focused mortgage programs designed for medical professionals.

Ideal for: Medical doctors, dentists, residents, and fellows

Key Benefits

Low or no down payment options
Student loan debt treated favorably
No PMI required
Available to residents and fellows
High loan limits

Wealth Builder

A first-lien HELOC that combines your mortgage and checking account, so your income works every day to pay it down.

Ideal for: Homeowners with strong, consistent cash flow who want to pay off their mortgage faster and keep flexible access to equity

Key Benefits

Income deposits reduce your balance every night
Best for: Payoff Acceleration
Revolving access to equity — no refinance required
No prepayment penalty