Loan Programs

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No two borrowers are the same. That's why I can offer a variety of loan programs designed to fit different goals, budgets, and life situations. Not sure which loan is right for you? I'll help you compare your options and find the best fit.

Conventional Loans

A great option for buyers with solid credit looking for flexible financing and competitive rates.

FHA Loans

Low down payment options and flexible credit guidelines make FHA loans a popular choice for many first-time buyers.

USDA Loans

Eligible rural homebuyers may qualify for zero down payment financing.

VA Loans

Exclusive benefits for eligible veterans, active-duty service members, and some surviving spouses, including no down payment for qualified borrowers.

Jumbo Loans

Financing for higher-priced homes that exceed conventional loan limits. Jumbo loans offer flexible options for qualified buyers purchasing luxury or high-value properties.

Saving for a down payment is one of the biggest obstacles for many homebuyers—but it isn't the only path to homeownership.

Depending on the loan program and where you're buying, there may be assistance available to help with your down payment or closing costs. Some programs have income limits, while others are designed for first-time buyers or specific professions.

The best way to know what's available is to review your situation. I'll help you identify the programs you qualify for and explain the pros and cons of each so you can make an informed decision.

Whether you're looking to lower your monthly payment, reduce your interest rate, tap into your home's equity, or pay off your mortgage sooner, refinancing can help you achieve your financial goals. I'll walk you through your options so you can determine whether refinancing is the right move.

Rate & Term Refinance

Replace your current mortgage with a new loan to potentially lower your interest rate, reduce your monthly payment, or shorten your loan term.

Cash-Out Refinance

Turn your home's equity into cash for renovations, debt consolidation, major expenses, or other financial goals—all while refinancing your existing mortgage.

HELOCs & Home Equity Loans

Access your home's equity without replacing your current mortgage. A HELOC or Home Equity Loan can be a great option for home improvements, unexpected expenses, or other large purchases while keeping your existing low interest rate.

Whether you're building your dream home or growing your real estate portfolio, I offer specialized financing options designed to help you achieve your long-term goals.

One-Time Close Construction Loans

Build your home with one convenient loan. A One-Time Close Construction Loan combines your construction financing and permanent mortgage into a single loan, helping you save time, reduce closing costs, and lock in financing from the start. Whether you're building on land you already own or purchasing land as part of the project, I'll guide you through every step.

DSCR Investment Loans

Designed specifically for real estate investors, DSCR (Debt Service Coverage Ratio) loans qualify based primarily on the property's income rather than your personal income. They're an excellent option for purchasing or refinancing rental properties while expanding your investment portfolio.

Not every borrower fits inside a traditional lending box. If you've been told "no" before, are self-employed, or have a more complex financial situation, there may be financing options available that better fit your circumstances.

Bank Statement Loans

Designed for self-employed borrowers who may not show all of their income on tax returns. Instead of relying solely on tax documents, qualifying income can be calculated using personal or business bank statements.

Asset Qualification Loans

For borrowers with significant savings, retirement accounts, or investment assets, it may be possible to qualify using your assets rather than traditional employment income.

ITIN Loans

Home financing options may be available for borrowers who file taxes using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number.

Credit Challenges

A lower credit score doesn't always mean homeownership is out of reach. We'll review your situation, discuss available loan options, and, if needed, create a plan to help you become mortgage-ready.

Every borrower has a different story. If your income, credit, or employment doesn't fit the "typical" mortgage guidelines, let's talk before assuming you don't qualify. There may be options you haven't considered.