There are a lot of loan officers out there, so why choose me? I take pride in listening first to make sure I know your goals and plans for now and in the future to make sure we are exploring all financing options that would work. Not all programs will work for everyone and I will use my expertise to structure your loan to best fit your needs.
We have an online application system, secure portals to upload documents, apps to track the process and updates to keep you in the know at all times with the added benefit of a team working hard to help you complete your loan process as quickly as possible. The best way to get started is to complete the online application and upload as many of the documents we will need so we can review and go over all your options together.
We have an online application system, secure portals to upload documents, apps to track the process and updates to keep you in the know at all times with the added benefit of a team working hard to help you complete your loan process as quickly as possible. The best way to get started is to complete the online application and upload as many of the documents we will need so we can review and go over all your options together.
Services
Purchasing a Home
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There are a number of different loan options available to purchase a home. Or for more detail, our loan products pages gets into detail about what is available. No matter what your situation, we will work hand in hand to go over the options and make the best choice together.
To start the process of getting pre-approved, apply here and we'll go over all of our options for financing, come up with a price point to look in that works for your budget and have you looking for homes.Getting pre-approved is step 1 so you are ready to make an offer when that perfect home is listed for sale.
To start the process of getting pre-approved, apply here and we'll go over all of our options for financing, come up with a price point to look in that works for your budget and have you looking for homes.Getting pre-approved is step 1 so you are ready to make an offer when that perfect home is listed for sale.
Home Mortgage Refinancing
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Refinancing is when you want to restructure your current home loan. There are many reasons to refinance. You may be looking to lower the interest rate, and monthly payment. You may be looking to reduce the term of the loan to have the loan paid off by a target date. You may need to remove someone from the current mortgage and title or add someone.
Loan Overviews
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With so many home loan options, it can be difficult to know the the right one for you. We make that process easier by getting to know you better, so we can understand your specific needs and goals. Not sure if you qualify? There are many programs available for individual mortgage loan scenarios. Low or zero down payment options, gift down payments or receiving a gift of equity when buying from family or doing a 1031 exchange.
FHA Loans
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FHA loans are geared towards but not limited to first time home buyers. The FHA Loan requirements allow for shorter credit depth, higher debt to income, lower credit scores, and only requires 3.5% down payment. FHA also allows for a co-signer if needed. There are loan limits (loan amount caps) and is determined by the county the home you want to finance is located in.
Conventional Loans
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Conventional loans offers down payments as little as 3% down, however Mortgage insurance will be required if less than 20% down. There are many options for down payment that we can look at to find the best fit. Each year an upper limit on the amount that can be borrowed for a conventional loan. In 2021 the new conforming loan limit became $548,250; anything above that would fall into a Jumbo loan.
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