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, no name or number asked.

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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