Services
Finding the right mortgage can be complex, but with the right guidance, it becomes a clear and confident journey. I offer a range of mortgage solutions tailored to fit your unique needs, from first-time homebuyers to seasoned investors. With over 25 years of experience, I bring both expertise and personalized service to ensure you secure the best financing option. Explore the services below to find the loan that’s right for you.
Fannie Mae & Freddie Mac Loans
Conventional loans, backed by Fannie Mae and Freddie Mac, are a popular choice for those with solid credit and a stable income. They offer competitive interest rates and flexible terms, making them a great option for both primary residences and investment properties. Whether you’re a first-time homebuyer or looking to expand your real estate portfolio, I can guide you through the process to ensure you secure the right loan for your needs.
Conventional Mortgages
Benefits
Competitive interest rates and flexible terms
Suitable for a wide range of property types
Faster approval process compared to government-backed loans
FHA & VA Loans
Flexible Financing for First-Time Buyers, Veterans, and Beyond
FHA loans, with lower credit score requirements, are designed for first-time homebuyers or those with limited down payments. VA loans, available to eligible veterans and active-duty service members, offer great benefits, such as zero down payment options. I specialize in guiding clients through these government-backed loans, ensuring you understand the benefits and make informed choices.
Benefits
Lower credit score requirements for FHA loans
Zero down payment options for VA loans
Ideal for first-time homebuyers or those with minimal savings
Specialty Loans
Jumbo, Reverse, DSCR, Bank Statement, and Hard Money Loans
Whether you’re a self-employed entrepreneur, looking to finance a high-value home, or seeking alternative documentation options, I offer a range of specialty loans tailored to unique financial situations. This includes Jumbo loans for luxury properties, Reverse mortgages for seniors wanting to tap into their home equity, DSCR loans for investment properties, and Bank Statement loans for self-employed clients needing alternative documentation.
Benefits
Access to financing for high-value properties
Alternative documentation options for self-employed individuals
Solutions for retirees and seniors through Reverse mortgages
Investor-friendly loans with DSCR for income properties
Pre-Approval & First-Time Buyer Consultations
Shop with Confidence and Navigate the Homebuying Process Like a Pro
Securing a pre-approval not only strengthens your offer but also provides peace of mind as you shop for your dream home. My consultations for first-time buyers will equip you with a clear understanding of the mortgage process, terminology, and contingencies. You’ll be prepared to make confident offers, fully informed about how your financing aligns with your home-buying strategy.
Benefits
Boosts confidence and credibility in the homebuying process
Provides a clear understanding of mortgage terms and contingencies
Positions you as a knowledgeable buyer ready to negotiate
Mortgage Process
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We’ll start with a one-on-one conversation to understand your financial goals, desired mortgage type, and any questions you have about the process.
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I’ll provide a list of required documents, such as pay stubs, tax returns, and bank statements, to ensure a smooth pre-approval process.
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With your consent, I’ll pull a credit report, which is valid for four months, to assess eligibility for various loan options.
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Your application will be reviewed for income, credit, and savings. Once approved, you’ll receive a pre-approval letter that strengthens your position as a buyer.
