Programs I Offer
Every borrower is different. Here are the loan programs I work with regularly · and the types of clients they're designed for.
Conventional Loans
The standard workhorse of mortgage lending. Conventional loans are not government-backed and typically offer competitive rates for borrowers with solid credit. Available for primary residences, second homes, and investment properties with various down payment options.
FHA Loans
Backed by the Federal Housing Administration, FHA loans are ideal for first-time buyers or borrowers who need lower down payment flexibility (as low as 3.5%) and more forgiving credit requirements. A strong choice when conventional guidelines are out of reach.
VA Loans
Exclusively for active-duty military, veterans, and eligible surviving spouses. VA loans offer 0% down payment, no private mortgage insurance, and competitive rates · one of the best benefits available to those who've served our country.
Jumbo Loans
For loan amounts exceeding conforming loan limits (currently over $766,550 in most areas, higher in high-cost markets like California). Jumbo loans require strong credit profiles and larger reserves, but I work with lenders who have competitive jumbo programs.
Non-QM Loans
Non-Qualified Mortgage programs are designed for borrowers who don't fit the mold of traditional lending · the self-employed, those with alternative income documentation (bank statements, P&L), foreign nationals, or those with recent credit events. Flexible qualification methods, competitive programs.
DSCR Loans
Debt Service Coverage Ratio loans are built for real estate investors. Qualification is based on the property's rental income versus its debt payments · not the borrower's personal income. Ideal for scaling a rental portfolio without the friction of traditional income documentation.
Commercial Loans
Financing for commercial real estate including mixed-use buildings, multi-family (5+ units), office, retail, industrial, and more. Commercial loans involve different underwriting criteria, and my relationships with commercial lenders help find the right structure for your deal.
Hard Money & Bridge Loans
Short-term financing solutions for investors who need to move fast · fix-and-flip projects, bridge loans to cover gaps between purchase and permanent financing, or scenarios where speed matters more than rate.
Refinance (Rate/Term & Cash-Out)
Whether you want to lower your rate, shorten your term, or pull equity from your property, I help clients refinance strategically. Cash-out refinances can fund renovations, pay off debt, or serve as capital for the next investment.
Don't see exactly what you're looking for? Reach out directly — chances are there's a program that fits your scenario. I work with borrowers in all kinds of situations.
Not Sure Which Loan Fits?
Tell me about your situation and I'll recommend the best options. There's no cost and no obligation to apply.
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