Loan Programs

The right loan for your goals.

Every borrower and property is different. I help you evaluate the programs, pricing, and tradeoffs that may fit your qualifications and timeline.

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No obligation · Program availability and terms vary

First-Time Buyer

Your first home, explained clearly.

Buying your first home comes with new terminology, deadlines, and decisions. I will help you understand your budget, estimated cash to close, and the loan structures that may be available before you start making offers.

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Options we can discuss

Conventional and government-backed programs
Low down-payment options for qualified borrowers
Potential down-payment assistance programs where available
Preapproval planning and offer-readiness
Plain-language review of costs and monthly payment

Ideal forRenters preparing to buy, borrowers with limited down-payment funds, and anyone who wants guidance through the full process.

Refinance

Make the numbers prove the value.

A lower rate is only one part of a refinance decision. We will compare the payment, closing costs, loan balance, cash flow, and break-even timeline to see whether refinancing supports your goals.

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Options we can discuss

Rate-and-term refinance
Cash-out refinance
Streamline options for eligible government-backed loans
Points, lender credits, and closing-cost tradeoffs
Break-even analysis based on your expected timeline

Ideal forHomeowners reviewing their current rate, loan term, mortgage insurance, cash-flow needs, or available home equity.

Move-Up Buyer

Plan the sale and purchase together.

Selling one home while buying another requires careful coordination. We can map your equity, required cash, contingencies, and financing timeline before the right property appears.

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Topics we can evaluate

Qualification with or without the current home sold
Contingent and non-contingent offer strategies
Available bridge or equity-access options
Conventional and jumbo financing
Coordination with your real estate professionals

Ideal forHomeowners preparing to upsize, relocate, or coordinate a purchase with the sale of an existing property.

Investment Property

Finance the property and the strategy.

Investment financing should be evaluated in the context of leverage, cash flow, reserves, property type, and exit strategy. I help investors compare the structures that fit the deal.

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Options we can discuss

Conventional investment-property loans
DSCR programs based on qualifying rental cash flow
Two-to-four-unit property financing
Bridge and short-term financing where available
Portfolio options for qualifying investors

Ideal forRental-property buyers, house hackers, experienced investors, and borrowers expanding a real estate portfolio.

Self-Employed

Your income deserves the right documentation strategy.

Business ownership and variable income do not fit neatly into every underwriting model. I help identify which documentation methods may best represent your qualifying income and assets.

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Options we can discuss

Full-documentation conventional and government programs
Bank-statement programs where available
Programs designed around 1099 income
Asset-based qualification options
Documentation planning before application

Ideal forBusiness owners, consultants, contractors, freelancers, and borrowers with complex or variable income.

Jumbo Loans

Flexible financing for higher-value properties.

Jumbo loans exceed the applicable conforming loan limit and often require a more detailed review of income, assets, reserves, and property characteristics. We will compare the available structures carefully.

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Options we can discuss

Fixed and adjustable-rate structures
Primary residence, second-home, and investment options
Alternative documentation programs where available
Interest-only structures for qualifying borrowers
Asset and reserve planning

Ideal forBorrowers purchasing or refinancing properties that require financing above the applicable conforming limit.

The Process

How it works

Tell me your goals

We start with the property, purpose, timeline, and priorities.

I evaluate options

I review programs and potential structures that fit your scenario.

You compare

We discuss the costs, benefits, risks, and tradeoffs clearly.

We proceed

If you choose to apply, I guide the file through the loan process.

Not Sure Where to Start?

Bring the scenario. We will sort through it.

A quick conversation can help identify the questions to ask, the documents to gather, and the most practical next step.

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