A great option for well-qualified buyers and homeowners looking to refinance. I’ll help you compare the terms and find a loan that fits your plans.

Your credit doesn’t have to be perfect to start the conversation. FHA loans offer more flexible credit requirements and a low down payment for eligible buyers. Mortgage insurance is part of the loan, so we’ll look at the whole payment together.

If you’re an eligible veteran, service member, or surviving spouse, let’s explore your VA benefit. These loans can offer no down payment and no monthly mortgage insurance. A funding fee may apply unless you’re exempt, and I’ll walk you through the details.

A little room to breathe might be closer than you think. USDA loans offer a no-down-payment option for eligible homes in qualifying rural areas. Household income limits and program fees apply. Send me an address and we can check whether it’s a fit.

When the loan you need is larger than your county’s conforming limit, a jumbo loan may be the next step. Credit, down payment, and reserve requirements vary by lender. I’ll help you sort through the options and find a payment you’re comfortable with.

Work for yourself? Let’s look at the full picture. Alongside traditional loans, some programs use eligible bank deposits or other income documentation instead of tax returns. We’ll review your business income and expenses to see which approach makes sense for you.

Have a home in mind that hasn’t been built yet? Construction financing helps fund the build, with money typically released in stages as work is completed. We’ll talk through your builder, budget, and how the loan transitions or gets paid off when the home is finished.

Buying a rental? A DSCR loan looks at the property’s rental income compared with its housing costs to help you qualify, rather than relying on your personal income. Credit, down payment, and reserve requirements still apply. Let’s run the numbers on the property you have in mind.

For eligible homeowners 62 and older, a HECM reverse mortgage can turn part of your home equity into funds without monthly principal-and-interest payments. You still pay taxes, insurance, and upkeep and must meet occupancy requirements. The balance grows over time and must eventually be repaid. I’ll help you understand the tradeoffs.