Loan Products and Services

VA Loan Expertise:

Our expertise in VA Home loans ensures that military members and veterans receive specialized support to secure their dream homes. I’ll help guide you through the process that makes the most sense for your unique situation.

  • 0% Down VA Loan

  • VA Renovation Loan

  • One Time Construction VA Loan

FHA, Conventional and other QM Loans:

  • VA Interest Rate Reduction Loan (IRRRL)

  • VA Cash Out Refinance

  • Multi-Family Home Purchase (Up to 4 Units)

QM stands for Qualified Mortgage. These are your standard loan options that meet safe lending requirements set by the Consumer Financial Protection Bureau (CFPB) with terms that are designed to prevent risk. You must meet the Debt-To-Income (DTI) and Ability-To-Repay (ATR) requirements. I’ll help guide you through this process.

  • VA Loan - U.S. Department of Veterans Affairs

  • FHA Loan (3.5% down) - Federal Housing Administration

  • FHA Streamline

  • Conventional Loan (Potential for as low as 3% down)

  • USDA Loan (0% down, Rural or Suburban) - U.S. Department of Agriculture

Non-QM Solutions:

I understand that each home buyer’s situation is unique. Sometimes you have to think outside the box.

Non-QM options offer personalized solutions catered to your specific needs, allowing you to qualify for a loan based on your individual situation. These options are ideal for business owners, investors and individuals with large savings or assets. These loans often offer more flexibility.

  • DSCR (Debt-Service Coverage Ratio) - Use a property’s rental income as qualified income

  • Bank Statement Loans - Ideal for Self-Employed individuals and Business Owners

  • Asset Depletion - Borrowers with significant liquid assets (Savings, Stocks, Retirement Accounts, etc.)

  • Interest Only Loans - Allows a borrower to make interest only payments for a set period of time

  • HELOC (Home Equity Line of Credit) - Revolving line of credit based on your home’s existing equity

  • HELOAN (Home Equity Loan) - Similar to a HELOC but has a fixed rate and is issued as a lump sum

  • ARM (Adjustable Rate Mortgages) - Lower interest rate for a fixed period, then adjusts annually

Credit Repair:

Have you or are you currently experiencing credit issues?

I partner with some of the best credit repair teams to help you get back on track. Ideally, you want to have a 620 credit score or higher when purchasing a home, otherwise you may be subject to higher rates, more fees, and even having your loan denied.

Financial Planning:

You work hard for your money, why not let your money work hard for you?

I work closely with multiple Financial Advisors and Financial Planners to help you get your financial future on track. If your money is just sitting around doing nothing, you could be missing out on massive financial gain. It’s important to put every penny where it has the biggest potential for growth. It’s equally important to protect your earnings as well as your investments; buying a home is no different.

Let me connect you to one of my partners, today!

Contact Me

Interested in buying a home? Feel free to reach out anytime. I’m available when you need me!