What I offer

Every major loan — and the specialty ones.

The major loans we fund in-house. The specialty ones I broker out to the lender who does them best. Either way, one loan officer — and the right structure for your situation.

· Find the right program

Which of these is yours?

Where you are, what you’re after, and the numbers as you know them — I’ll point you at the program I’d start with. Nothing is pulled, nothing is saved.

All programs
01
Conventional
The default mortgage for buyers with stable income, decent credit, and a documentable down payment. Not backed by a government program — underwritten to Fannie Mae or…
3% min down payment
620+ credit score
$832k conforming limit
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02
FHA
Government-insured by the Federal Housing Administration, designed for buyers without 20% down or with credit that's still recovering. The trade is mortgage insurance for…
3.5% min down payment
580+ credit score
MIP for life of loan
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03
VA
An earned benefit for veterans, active duty service members, reservists, National Guard, and eligible surviving spouses. Backed by the Department of Veterans Affairs.…
$0 down payment
No PMI ever
100% financing
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04
Jumbo
Finances homes above the conforming loan limit ($832,750 in most counties). Different underwriting from Conventional — tighter on reserves and documentation, but no…
15 programs, one application
10% minimum down
$5M ceiling
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05
USDA
100% financing for primary residences in USDA-eligible areas. Backed by the U.S. Department of Agriculture. Income-capped, but otherwise generous — and the eligible map…
$0 down payment
580+ credit, automated approval
115% of area median income cap
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06
Refinance
Replacing your current mortgage with a new one — usually to lower your rate, reduce your payment, change the term, or pull cash from your home equity. A refi gets the…
80% max LTV (cash-out)
$0 down payment needed
21d average close
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07
HELOC
A revolving line of credit secured by your home equity. Borrow what you need, when you need it — pay interest only on what you draw. Your existing first mortgage stays in…
90% max combined LTV
10yr draw period
Var rate (Prime + margin)
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08
DSCR / Investor
Qualifies you on the property's rental income, not your personal income. Built for real estate investors who don't want to document W-2s, tax returns, or pay stubs. The…
No personal income docs
15% minimum down
8 programs, one application
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Specialty programs

Not everything fits a card. These get placed case-by-case with the lender that does them best — ask me about your situation.

Bridge
Buy the next home before this one sells — short-term money that clears at closing.
Down payment assistance
Programs that stack down-payment help for buyers who qualify — some pair it with solar or energy upgrades.
Construction
Build from scratch. Single close. Construction-to-permanent.
Renovation
Buy and rehab in one loan. FHA 203(k), HomeStyle, CHOICERenovation.
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