Every borrower's situation is different. I offer a range of loan programs designed to meet you where you are — whether you're buying your first home, refinancing, or building an investment portfolio.
Conventional loans are the most common mortgage type, ideal for borrowers with good credit, stable W-2 income, and a down payment of at least 3–5%.
Best for: Buyers with strong credit (typically 620+), steady employment income, and who want competitive rates on primary residences or second homes.
Let's talk about Conventional →FHA loans are government-backed mortgages with more flexible credit requirements and down payments as low as 3.5%.
Best for: First-time homebuyers, buyers with lower credit scores, or those who don't have a large down payment saved up.
Let's talk about FHA →VA loans offer exclusive benefits for eligible veterans, active-duty service members, and surviving spouses — including no down payment and no private mortgage insurance.
Best for: Military veterans, active-duty personnel, and eligible spouses looking to buy or refinance with favorable terms.
Let's talk about VA →Debt Service Coverage Ratio loans qualify investment properties based on the property's rental income rather than your personal income. No W-2s or tax returns required.
Best for: Real estate investors purchasing or refinancing rental properties who want to scale without traditional income documentation.
Let's talk about DSCR →Bank Statement loans let self-employed borrowers qualify using 12–24 months of bank deposits instead of tax returns — perfect when your tax write-offs don't reflect your true earning power.
Best for: Self-employed business owners, freelancers, contractors, and entrepreneurs with strong cash flow but complex tax situations.
Let's talk about Bank Statement →