What I Do
Mortgages, explained like a human.
I have access to 100+ wholesale lenders through Mpire Financial. Here's what that means for you.
Homebuyers with good credit and stable income
Conventional Loans
Conventional loans are the most common type of mortgage. They typically offer competitive rates and flexible terms. If you have a solid credit history and a steady paycheck, this is often your best path to homeownership.
- ✓ Competitive interest rates
- ✓ Flexible down payment options
- ✓ No upfront mortgage insurance with 20% down
- ✓ Available for primary homes, second homes, and investment properties
Buyers with lower credit scores or smaller down payments
FHA Loans
FHA loans are backed by the Federal Housing Administration and are designed for people whose credit isn't perfect. You don't need an 800 score to buy a home. FHA loans let people with real financial histories become homeowners.
- ✓ Down payments as low as 3.5%
- ✓ Credit scores starting at 580
- ✓ More flexible qualification requirements
- ✓ Great for first-time buyers
Active military, veterans, and eligible surviving spouses
VA Loans
If you served our country, you earned this benefit. VA loans offer some of the best terms available anywhere. Zero down payment, no private mortgage insurance, and competitive rates. I'll handle all the VA-specific paperwork so you don't have to navigate it alone.
- ✓ Zero down payment required
- ✓ No private mortgage insurance (PMI)
- ✓ Competitive interest rates
- ✓ Limited closing costs
Current homeowners looking to improve their loan terms
Refinance
Already own a home? Refinancing can lower your rate, reduce your monthly payment, or let you tap into your home's equity. I'll run the numbers and tell you honestly whether it makes sense right now. If it doesn't save you money, I'll tell you that straight up.
- ✓ Potentially lower your interest rate
- ✓ Reduce monthly payments
- ✓ Switch from adjustable to fixed rate
- ✓ Access home equity for major expenses
Anyone purchasing their first home
First-Time Homebuyers
Buying your first home is one of the biggest decisions you'll make. It can also be one of the most confusing. I'll walk you through every single step of the process and make sure you actually understand what you're signing before you sign it. No surprises, no jargon.
- ✓ Step-by-step guidance through the entire process
- ✓ Help understanding all your loan options
- ✓ Down payment assistance program information
- ✓ Clear explanation of every document you sign
Not sure which loan is right for you?
That's literally what I'm here for. Let's talk and figure it out together.