With 150+ lenders, I match you with the exact right loan — not just what one bank happens to offer.
What's your goal?
🏠 Buy My First Home
🔑 Buy My Next Home
💵 Refinance
📊 Invest in Property
Loan Programs
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Conventional Loan
Standard financing for qualified borrowers
Down payment: 3-20%
Credit score: 620+
Best rates available
No mortgage insurance for 20%+ down
Best for: First-time & repeat buyers
Conventional loans are backed by Fannie Mae or Freddie Mac and are ideal for borrowers with good credit and stable income. They offer flexibility in terms, rates, and down payments. Perfect for buyers with 20%+ down to avoid PMI, or those with excellent credit who can get approved for as little as 3% down.
FHA loans are insured by the Federal Housing Administration, making it easier for first-time buyers to qualify. Even with lower credit scores (580+) and minimal down payment (3.5%), you can secure financing. Includes mortgage insurance (FHA MIP), but still very affordable.
Exclusive benefit for veterans & military families
Zero down payment
No PMI required
Best available rates
Limited closing costs
Best for: Veterans
VA loans are exclusively for veterans, active-duty military, and surviving spouses. Backed by the Department of Veterans Affairs, they offer the best terms in the market: 0% down, no PMI, no prepayment penalties, and built-in VA funding fee. Requires valid COE (Certificate of Eligibility).
Jumbo loans finance properties above the conventional loan limits ($766,550+ in 2024). These loans require stronger credit, more documentation, and typically require larger down payments. With access to 150+ lenders, I can secure the best rates even on jumbo amounts.
Solutions for self-employed & non-traditional income
Designed for self-employed borrowers
Uses bank statements for income verification
No tax returns required
Flexible documentation
Best for: Self-employed, freelancers
Non-QM loans are perfect for entrepreneurs, gig workers, and self-employed professionals who can't easily document traditional income. Instead of complex tax returns, we use bank statements to verify your income. Competitive rates and flexible terms for non-traditional borrowers.
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors. Your qualification is based on the property's rental income, not your personal income. This opens doors for investors with multiple properties. Ideal for those expanding their real estate portfolio.
Refinancing lets you replace your current mortgage with a new one, typically to get a lower rate, shorter term, or to access cash for home improvements, debt consolidation, or other needs. With rates changing, I'll identify if a refinance makes sense for your situation.
A HELOC works like a credit card backed by your home's equity. You receive a line of credit you can draw from as needed during the draw period (typically 10 years). You only pay interest on the amount you borrow. Great for ongoing projects or unexpected expenses.