Mortgage
Mortgage
Whether you're a first-time buyer or looking to refinance, I offer loan solutions tailored specifically to your needs and financial goals. With open communication, honest guidance, and a hands-on approach, I’m here to make the mortgage process clear, simple, and stress-free so you can move forward with confidence and focus on finding the perfect place to call home.
A fixed-rate mortgage offers consistency and predictability, with the same interest rate locked in for the life of the loan. That means your monthly principal and interest payments won’t change, making budgeting easier over the long term. It’s a great choice for buyers planning to stay in their home for many years. You won’t have to worry about rising rates or market fluctuations.
Not every borrower fits into a standard loan model and that’s where specialized mortgages shine. These loans are designed to meet unique borrower needs, whether it’s for unusual income types, special property types, or custom financial goals. We work closely with you to understand your situation and find the loan structure that works best for you. It’s mortgage lending made personal.
Refinancing can help you lower your monthly payments, shorten your loan term, or tap into home equity for other financial needs. Even with rising interest rates, refinancing may still be a smart move depending on your goals. It’s also a useful tool for consolidating debt or covering big expenses. Let’s review your options and determine if refinancing is right for your current situation.
If you're feeling the pressure of fluctuating interest rates with your adjustable-rate mortgage (ARM), converting to a fixed-rate loan can bring peace of mind. This type of refinancing locks in your rate, protecting you from future hikes and providing consistent monthly payments. It’s one of the most common reasons homeowners choose to refinance. Let’s explore if an ARM-to-fixed conversion is right for you.
Manual underwriting is ideal for borrowers who don’t meet standard loan requirements but are financially responsible. Instead of relying solely on algorithms, a real person evaluates your full financial profile including income, employment, and payment history. This can benefit those with non-traditional income, limited credit history, or recent life changes. It’s a more flexible and human-centered approach to loan approval.
A conventional mortgage is the most common home loan type, offered by private lenders and not backed by the government. It typically offers competitive interest rates and fewer restrictions than government-backed loans. If you have good credit, steady income, and a solid down payment, a conventional mortgage could be your most cost-effective option. It’s reliable, straightforward, and widely accepted.
Buying a condo? This loan type is tailored to the unique rules and requirements of condominium ownership. Lenders often review the condo association’s financials and insurance coverage before approving financing. Whether you’re a first-time buyer or an investor, a condo mortgage makes owning a low-maintenance, community-based home easier and more accessible. It’s a perfect fit for urban living.
USDA loans offer 100% financing for eligible rural and suburban homebuyers meaning no down payment is required. Backed by the U.S. Department of Agriculture, these loans are designed to promote homeownership in designated areas. If you meet the income and location requirements, a USDA loan could make owning a home more affordable. It’s a great option for buyers looking to stretch their budget.
VA loans are a powerful benefit for active-duty military members, veterans, and eligible surviving spouses. With no down payment and no private mortgage insurance (PMI), these loans offer incredible value and flexibility. The Department of Veterans Affairs guarantees part of the loan, making it easier to qualify. If you’ve served our country, you deserve the opportunity to own a home with less financial stress.
Jumbo loans are designed for buyers who need to borrow more than the conventional loan limits allow. These are ideal for purchasing high-value properties or homes in competitive markets. Because they’re larger loans, lenders typically require higher credit scores and stronger financial profiles. If you’re buying luxury real estate, a jumbo loan gives you the financing you need, without compromise.
FHA loans are backed by the Federal Housing Administration and offer flexible qualification standards. They’re especially helpful for first-time buyers or those with lower credit scores or smaller down payments. FHA loans allow more people to achieve homeownership with less financial strain. If you’ve been told “no” by other lenders, an FHA loan could be your path to a “yes.”
If you’re planning to build a custom home, a land loan helps you finance the purchase of undeveloped property. These loans differ from traditional mortgages and often require larger down payments and more detailed planning. But they give you the freedom to create a home from the ground up. Whether it's raw land or a lot in a development, I can help you secure the right financing.
In some cases, you don’t have time to wait, especially in competitive real estate markets. Same-day funds allow for quick disbursement of loan money upon approval and closing. This fast access to funds can make all the difference when timing is critical. It's a great option for investors or buyers facing time-sensitive situations.
DSCR (Debt Service Coverage Ratio) loans are tailored for real estate investors, especially those buying income-generating properties. These loans focus on the property’s rental income rather than your personal income. If the property can cover the debt, you may qualify, even if you don’t meet standard loan criteria. It’s a smart, streamlined solution for building your investment portfolio.
A non-QM loan is perfect for borrowers who don’t fit into the traditional lending box. This includes self-employed individuals, those with inconsistent income, or unique financial circumstances. These loans offer more flexible underwriting and alternative documentation options. It’s all about finding a mortgage that works with your reality, not against it.
Reverse mortgages allow homeowners aged 62 and older to convert their home equity into cash, without selling or taking on new monthly payments. It can be used to supplement retirement income, cover medical expenses, or fund home improvements. You still own your home and can stay in it as long as you want. It’s a smart way to leverage your home’s value in your golden years.
If you're self-employed and receive 1099 forms instead of traditional pay stubs, a 1099 mortgage can help you qualify for a home loan. These loans consider your recent 1099 income history and bank deposits instead of tax returns. It’s an excellent solution for freelancers, consultants, and gig workers. We make sure your hard-earned income works for you, not against you.
With an asset-based mortgage, you qualify for a loan based on your available assets, not your income. This is especially helpful for retirees or high-net-worth individuals who have wealth but limited monthly income. The lender calculates an income stream from your assets over the life of the loan. It’s a unique path to homeownership for those who think outside the financial box.
If you’re buying a home that needs minor repairs, an escrow holdback lets you close the deal while setting aside funds for those improvements. Once the work is completed, the money is released. It’s a smart way to avoid delays while ensuring the property meets all requirements. I’ll help coordinate the process to keep your closing on track.