Navigating the mortgage process, whether you're buying, selling, refinancing, or building your home, can be complex. You need a loan specialist who can provide fast, precise financial guidance, especially since market conditions and mortgage options are always changing. I have the expertise to help you explore the many financing choices and find the perfect fit for you and your family.

My goal is to provide exceptional service that goes beyond what you expect. Feel free to explore my website to learn about different loan programs, use the decision-making tools and calculators, or apply for a loan in just four easy steps with the short form application.

After you've applied, I'll reach out to discuss the details of your loan. You can also schedule an appointment with me online or contact me anytime by phone, fax, or email for personalized service and expert advice.

Loan Programs

I offer a wide range of loan programs to meet your unique needs. Here's a brief overview of some of the options available:

• Conventional Loans: These are the most common type of mortgage and are not backed by a government agency. They are ideal for borrowers with good credit and a stable financial history, and can be used for primary residences, second homes, and investment properties.

• FHA Loans: Insured by the Federal Housing Administration, these loans are designed to make homeownership more accessible, particularly for first-time homebuyers. They often feature lower down payment requirements and more flexible credit qualifications.

• VA Loans: A benefit for military service members, veterans, and surviving spouses, VA loans are backed by the Department of Veterans Affairs. They can offer competitive interest rates, no down payment options, and no requirement for private mortgage insurance (PMI).

• USDA Loans: Backed by the U.S. Department of Agriculture, these loans are for low-to-moderate-income buyers in eligible rural and suburban areas. They are a great option for those who qualify, as they can offer 100% financing with no down payment.

• Jumbo Loans: For those purchasing high-priced properties, jumbo loans exceed the maximum loan limits set for conventional loans. These loans are designed to finance more expensive homes, though they typically have stricter qualifying criteria.

• Fixed-Rate Mortgages: With a fixed-rate mortgage, your interest rate and monthly principal and interest payments remain the same for the entire life of the loan, providing stability and predictability in your budget.

• Adjustable-Rate Mortgages (ARMs): ARMs typically offer a lower initial interest rate for a set period, after which the rate can adjust periodically based on market conditions. This can be a good option if you plan to move or refinance before the fixed period ends.

• Home Equity Line of Credit (HELOC): A HELOC is a revolving line of credit that lets you borrow against your home's equity as needed. Think of it like a credit card secured by your home, with a pre-set borrowing limit. You only pay interest on the amount you use. A HELOC can be a great option for ongoing projects like home renovations or for unexpected expenses.

• Non-QM Loans: Non-Qualified Mortgages are a flexible alternative to conventional loans for borrowers who may not fit traditional lending guidelines. These loans are not backed by government agencies, allowing lenders to set their own criteria. They are often a solution for self-employed individuals, real estate investors, or borrowers with a recent credit event, as they can use alternative documentation like bank statements to verify income.