Purchase loans
Conventional financing with as little as 3% down for qualified buyers, plus first-time buyer options.
- 3%–20% down
- Fixed & adjustable
- Gift funds allowed
Loan programs
Financing programs matched to your goals
These are the programs I originate most often. Share your situation and I'll identify the options that fit, along with a clear breakdown of the cost.
Refinance
Reduce your payment, remove mortgage insurance, or shorten your term when the numbers support it.
- Rate & term
- Cash-out
- MI removal review
FHA loans
Flexible credit and down payment requirements — often the strongest option while credit is still being rebuilt.
- 3.5% down
- Lower score tolerance
- Gift-friendly
VA loans
An earned benefit for veterans and active-duty service members: no down payment and no monthly mortgage insurance.
- $0 down
- No monthly MI
- Reusable benefit
Jumbo & investment
Higher loan amounts, second homes, and rental property financing with DSCR options.
- High balance
- Second homes
- Rental / DSCR
Cash-out & HELOC
Access your equity for renovations, debt consolidation, or the down payment on your next property.
- Debt consolidation
- Renovation funds
- Equity strategy
Not sure which program fits?
That is the usual starting point. One short call is generally enough to narrow it to the options worth considering.