BUY A HOME
Buying a home doesn’t have to feel overwhelming.
A mortgage is one of the biggest financial decisions you’ll make, but you shouldn’t have to figure it out on your own. My job is to help you understand what you qualify for, compare your loan options, and know what to expect before you start making offers.
Because I work with multiple lenders and loan programs, we can look at more than one path instead of trying to fit every buyer into the same mortgage.
More lenders. More ways to find the right fit.
Different lenders can have different rates, programs, guidelines, and strengths. As a mortgage broker, I’m able to compare options across multiple lenders instead of offering only one company’s mortgage products.
That can be especially helpful when your situation isn’t perfectly cookie-cutter — or when you simply want to know you’re looking at more than one option.
01 Multiple Lenders
02 More Loan Options
03 Personal Guidance
Conventional Loans
A popular option for many homebuyers, with flexible down payment options and financing available for primary homes, second homes, and investment properties.
FHA Loans
Government-backed financing that can be a strong option for buyers with lower down payments, more flexible credit requirements, or other factors that may make conventional financing more difficult.
VA Loans
For eligible veterans, active-duty service members, and qualifying military borrowers. VA financing may offer no down payment and other valuable benefits for eligible borrowers.
USDA Loans
Zero-down-payment financing may be available for eligible buyers purchasing in qualifying rural and suburban areas, subject to property and household income requirements.
First-Time Homebuyer Options
Being a first-time buyer doesn’t mean there is only one program available to you. We’ll look at conventional, FHA, down-payment assistance, and other available options based on your specific situation.
Investment Properties
Build or expand your real estate portfolio with conventional investment financing and DSCR loan options that may qualify based on the property’s rental income.
Bank Statement Financing
Designed for self-employed borrowers whose tax returns may not fully reflect their cash flow. Bank statement programs may use qualifying deposits from personal or business bank statements to calculate income instead of traditional tax-return income.
One-Time Close Construction
Finance the construction of your new home and transition into permanent mortgage financing with one loan and one closing, helping simplify the process from construction through completion.
01
Let’s Talk
We’ll talk about your goals, budget, timeline, and anything that may affect your financing.
02
Get Pre-Approved
Complete the mortgage application and provide the documents needed to review your income, assets, credit, and overall qualification.
03
Know Your Numbers
I’ll walk you through your estimated payment, cash needed to close, and the loan options that may fit your situation before you start making offers.
04
Find the Home
Once you’re under contract, I’ll coordinate the mortgage side of the transaction and keep you updated as the loan moves through processing, appraisal, and underwriting.
05
Closing Day
Once the loan is cleared for closing, you’ll sign your final documents and complete the purchase of your home.
How much do I need for a down payment?
Do I need perfect credit to buy a home?
Does getting pre-approved mean I’m committed to buying?
How long does a pre-approval last?
Should I talk to a lender before contacting a real estate agent?
What if I’m not sure which loan program is best?
Let’s review your options, your numbers, and the next step that makes sense for you.