What I Offer
Loan Programs
I have all the loan programs. Whether you're buying your first home, serving our country, investing in real estate, or running your own business — I have a solution for you. Lending nationwide, except New York.
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First-Time Homebuyers
Buying your first home is one of the biggest milestones of your life — and I'm here to make it as smooth as possible. Whether you have a down payment saved up or need assistance programs to get you there, I have loan options designed specifically for first-time buyers.
- Down payment as low as 3%
- Down payment assistance programs available
- FHA loans with flexible credit requirements
- Conventional loans for qualified buyers
- Step-by-step guidance from application to closing
How much do I need for a down payment?
As little as 3% with conventional loans, or 3.5% with FHA. Down payment assistance programs may cover some or all of this.
What credit score do I need?
FHA loans can go as low as 580. Conventional loans typically require 620+. I'll help you find the best fit for your situation.
VA Loans
I love doing VA loans. If you've served our country, you've earned one of the best mortgage benefits available — zero down payment, no private mortgage insurance, and competitive rates. Let me help you use the benefit you've earned.
- Zero down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit requirements
- Available for purchase, refinance, and cash-out
Who qualifies for a VA loan?
Active duty service members, veterans, and eligible surviving spouses. Service requirements vary — reach out and I'll help you confirm eligibility.
Can I use my VA benefit more than once?
Yes! VA loan benefits can be reused as long as the previous loan is paid off or you have remaining entitlement.
Investment Properties
Whether you're buying your first rental property or expanding a portfolio of 100+ units, I have the loan programs to make it happen. I specialize in flexible qualifying options that work for real estate investors at every level.
- Single-family and multi-unit properties
- DSCR loans (qualify on rental income, not personal income)
- Fix-and-flip financing
- Portfolio loans for multiple properties
- Short-term rental (Airbnb/VRBO) friendly programs
What is a DSCR loan?
A Debt Service Coverage Ratio loan qualifies you based on the rental income the property generates — not your personal tax returns. Great for investors with complex income.
How much down payment is required for an investment property?
Typically 15–25% depending on the loan type and property. DSCR and portfolio loans may have different requirements.
Self-Employed Borrowers
Being self-employed shouldn't stop you from buying a home. Traditional lenders often struggle with complex income — I specialize in loan programs designed for business owners, freelancers, and entrepreneurs who write off expenses.
- Bank statement loans (12–24 months of deposits)
- 1099 income programs
- P&L statement loans
- Asset depletion / asset-based qualifying
- No tax return options available
Can I qualify if my tax returns show low income?
Yes — bank statement loans use your actual deposits instead of your adjusted gross income, which is often much higher.
How long do I need to be self-employed?
Most programs require 2 years of self-employment history, though some have more flexibility. Let's talk through your situation.
5
Days
Average approval time
HELOC
A Home Equity Line of Credit (HELOC) lets you tap into the equity you've built in your home — for renovations, debt consolidation, investments, or anything else. And with our fast-track program, you can get approved in as little as 5 days.
- Approval as fast as 5 business days
- Flexible draw period — use what you need, when you need it
- Competitive variable rates
- Interest only during draw period
- Use for home improvements, debt payoff, or investments
How fast can I really get a HELOC?
With our streamlined program, qualified borrowers can be approved and funded in as little as 5 business days.
How much can I borrow?
Typically up to 85–90% of your home's value minus your existing mortgage balance. The exact amount depends on your equity, credit, and income.
Not Sure Which Program Is Right for You?
I've been doing this since 1998. Just reach out and let me work for you — I'll find the right loan for your situation.