Loan Programs

FHA loans are government-backed and designed to make homeownership accessible. If your credit score is 580 or above, you may qualify with as little as 3.5% down. Even scores below 580 may have options — let's talk.

• Credit scores from 580+
• Down payment as low as 3.5%
• Flexible debt-to-income ratios
• Great for first-time buyers

Buying your first home can feel overwhelming — but it doesn't have to be. I'll walk you through every step, explain every document, and make sure you feel confident at every stage of the process.

• Down payment assistance programs
• State and local grants available
• Education and guidance included
• No question is too small

If you've served in the U.S. military, you may be eligible for a VA loan — one of the most powerful home financing tools available. Zero down payment, no private mortgage insurance, and competitive rates.

• Zero down payment required
• No private mortgage insurance (PMI)
• Competitive interest rates
• Available to veterans, active duty, and surviving spouses

Traditional income verification doesn't work for everyone. If you're self-employed, a business owner, or have complex income, bank statement loans and non-QM programs use your actual cash flow — not just your tax returns.

• 12 or 24 months bank statements
• No tax returns required
• Business owners and freelancers welcome
• Flexible qualification criteria

Looking at a higher-value property? Jumbo loans cover purchase prices that exceed conventional loan limits. I work with lenders who specialize in jumbo financing and can find competitive terms for qualified buyers.

• Loan amounts above conventional limits
• Primary, second home, and investment
• Competitive rates for strong profiles
• Personalized lender matching

Already own a home? Refinancing could lower your monthly payment, reduce your interest rate, or give you access to your home's equity for renovations, debt consolidation, or other goals.

• Rate and term refinance
• Cash-out refinance
• FHA and VA streamline options
• Free rate review — no obligation

Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors. Instead of verifying your personal income, lenders look at whether the property's rental income covers the mortgage payment. No tax returns, no W-2s — just the numbers on the property.

• No personal income verification required
• Qualify based on property cash flow
• Short-term and long-term rentals eligible
• Great for growing a rental portfolio