The Hidden Blueprint Behind Every Winning Dream Home Purchase
A Fresh Approach to Mortgage Lending – Transparent, Responsive, Effective
How we work
The Process
01
Free Initial Mortgage Consultation
We work with you to understand your unique financial situation and homebuying goals, then create a personalized mortgage plan with loan options tailored to your needs.
02
Mortgage Pre-Approval Letter
After analyzing your income, credit, and financial documentation, we provide a specific pre-approval amount that strengthens your offer and clarifies your home purchasing power.
03
Shop for your dream home
With pre-approval in hand, you’re ready to find your perfect property. Our established relationships with local real estate agents help ensure you find the right home within your budget.
Mortgages
With access to multiple lenders through our lending network, I can help you explore a wider range of loan options and competitive interest rates that might not be available through single-source lenders—putting you in a stronger position to achieve your homeownership goals.
Find the perfect loan for your home buying journey with competitive rates and personalized guidance every step of the way.
Lower your rate, reduce your term, or tap into equity with refinance solutions tailored to your financial goals.
Specialized financing options for investment properties, from single-family rentals to multi-unit developments.
EDUCATION
Providing educational references and insights for clients, Realtors, and the general public.
Who are we
Top of the line mortgage industry experts
✓ Dedicated
✓ Professional
✓ Attentive to every client
Have Questions?
Frequently Asked
Questions
If you don’t see the answers you are looking for, check our FAQ page, book a free consultation, or send an email. We will be happy to provide the answers to any questions you may have.
What interest rates can I qualify for?
Interest rates depend on several factors including your credit score, down payment amount, loan term, and current market conditions. Generally, borrowers with higher credit scores (740+) and larger down payments qualify for the most competitive rates. Contact us for a personalized rate quote and we will review your financial profile.
How much of a down payment do I need?
Down payment requirements vary by loan type:
- Conventional loans: Typically 3-5% minimum (20% to avoid PMI)
- FHA loans: Minimum 3.5% with qualifying credit score
- VA loans: 0% down for eligible veterans and service members
- USDA loans: 0% down for eligible rural properties
How much house can I afford with my mortgage?
Mortgage affordability guideline: monthly housing costs should not exceed 28% of gross income, with total debt payments below 36%. We provide custom mortgage affordability assessments based on your income, existing debts, and down payment amount.
Are mortgage pre-approvals available? How long do they last?
Yes, our mortgage pre-approval letters remain valid for 60 days and can be renewed with stable finances. Market rate changes may affect borrowing power during this period.
What first-time homebuyer mortgage programs are available?
Our first-time homebuyer mortgage options include:
- Low down payment mortgage products
- Down payment assistance programs
- State/local homebuyer grants
- Specialized FHA mortgage terms
- Fannie Mae HomeReady and Freddie Mac Home Possible loans