The Right Loan for Every Situation

Flexible financing for buyers with solid credit and stable income.

Conventional loans are the workhorse of the mortgage world — and for good reason. They offer competitive rates, flexible terms, and down payments as low as 3% for qualified buyers. Because they're not government-backed, they tend to move faster and with fewer restrictions, which matters in competitive markets.

• Down payments as low as 3%
• Fixed and adjustable rate options
• No upfront mortgage insurance premium
• PMI removable once you reach 20% equity

Government-backed loans with flexible qualification requirements.

FHA loans are backed by the Federal Housing Administration and designed to make homeownership accessible to more people. They allow lower credit scores and smaller down payments than conventional loans, making them a strong option for first-time buyers or those rebuilding their financial profile.

• Down payments as low as 3.5%
• Credit scores as low as 580 considered
• More flexible debt-to-income ratios
• Available for 1–4 unit properties

Exclusive benefits earned by those who served.

VA loans are one of the most powerful mortgage products available — and they're reserved for veterans, active-duty service members, and eligible surviving spouses. No down payment, no private mortgage insurance, and competitive rates. If you've served, you've earned this benefit. I'll make sure you use it.

• Zero down payment required
• No private mortgage insurance (PMI)
• Competitive interest rates
• No prepayment penalties

Financing for properties that exceed conventional loan limits.

When the purchase price exceeds conforming loan limits — currently $766,550 in most markets — you need a jumbo loan. These require stronger credit and documentation, but they open the door to high-value properties that conventional financing can't touch. I've closed jumbo loans up to $1.5M and know how to structure these files to get them done.

• Loan amounts above conforming limits
• Fixed and adjustable rate options
• Primary, second home, and investment properties
• Tailored underwriting for complex income

Restructure your existing mortgage to work harder for you.

A refinance isn't just about chasing a lower rate — it's a strategic tool. Whether you want to reduce your monthly payment, shorten your loan term, eliminate PMI, or pull cash out of your equity, I'll help you run the numbers and decide if and when a refinance makes sense for your situation.

• Rate-and-term refinance
• Cash-out refinance
• Streamline refinance options (FHA/VA)
• Break-even analysis included

For borrowers who don't fit the standard qualification mold.

Not everyone has a W-2 and two years of clean tax returns — and that's fine. Non-QM (non-qualified mortgage) loans are designed for self-employed borrowers, investors, and anyone whose income doesn't fit neatly into a conventional box. Bank statement loans, asset depletion, DSCR loans for investors — I know this space because I live in it.

• Bank statement income qualification
• DSCR loans for investment properties
• Asset depletion programs
• No tax return options available