Sergio Davis
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Union members & skilled trades

Your job site changes. Your plan can move forward.

I’m Sergio Davis, a mortgage loan officer and IBEW Local 441 member. Here are answers to the questions that come up when your work moves from project to project.

01 / Income

Can overtime help you qualify for a mortgage?

Understand base pay, variable hours, overtime history, and the records to prepare before you shop.

Read the guide →

02 / Work history

Changing contractors, multiple W-2s, and buying a home

How to organize job assignments, employment gaps, and future-offer documents for a lender review.

Read the guide →

03 / Buying a home

Down payment is only the beginning: plan your cash to close

A practical guide to closing costs, credits, assistance, and the savings you want left afterward.

Read the guide →

Prepare for the conversation.

  • Recent pay stubs and relevant W-2s.
  • An accurate contractor and employment timeline.
  • Your comfortable payment and current debts.
  • Savings for closing and the amount you want to keep.

Final document requirements vary. Keep sensitive records for the secure application process.

A member connection.

My trade background is a starting point for understanding your questions. Your loan still needs an individual lender review. These resources are open to all eligible borrowers.

Sergio’s union membership does not imply union sponsorship, endorsement, or an exclusive lending arrangement.

Talk through your own numbers.

Tell me where you are in the process. We can start with your questions and work toward a clear next step.

Call (949) 933-6309Email Sergio

Ready to apply? Open the secure application.