Your Mortgage Match Starts Here

Your Home Journey

Throughout your loan journey, I’m committed to making the mortgage process seamless and stress-free. With a personalized approach, I’ll help you access competitive rates and a wide range of loan programs—ensuring we find the perfect fit for your unique needs.

Rates That Fit Your Needs

Fixed Rate

A fixed-rate mortgage keeps the same interest rate for the life of the loan — meaning your monthly principal and interest payment will stay consistent, no matter what happens with market rates.

Why choose a fixed-rate loan:

Predictable monthly payments
Easier long-term budgeting
Great for buyers planning to stay in their home for several years
Available in multiple term lengths (like 15, 20, or 30 years)

If you like consistency and want to avoid surprises, a fixed-rate mortgage offers peace of mind with a stable plan.

Adjustable-Rate Mortgage (ARM)

An Adjustable-Rate Mortgage (ARM) starts with a lower interest rate for an initial period — often 5, 7, or 10 years — then adjusts periodically based on market conditions. This type of loan can be a great fit if you plan to move or refinance before the rate adjusts.

Why choose an ARM:

Lower initial monthly payments
Potential to save in the short term
Good option if you don’t plan to stay in the home long term
Rate adjusts after the initial fixed period (typically once a year)

ARMs offer flexibility and savings up front, with the understanding that rates (and payments) may change over time. If you’re buying a starter home, relocating within a few years, or expect your income to grow, this might be a smart choice.

Programs

FHA

A flexible option for first-time and lower-credit homebuyers

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. It's designed to make homeownership more accessible, especially for first-time buyers or those with less-than-perfect credit.

Key Benefits of an FHA Loan:

Low down payment — as little as 3.5%
Flexible credit requirements — ideal for buyers with limited or challenged credit history
Competitive interest rates
Available for single-family homes, condos, and some multi-unit properties

FHA loans do require mortgage insurance, which adds to the monthly payment, but they offer more flexible qualification standards compared to conventional loans.

This loan can be a great fit if you're looking for a more forgiving path to homeownership.

Conventional Loan

A flexible, popular choice for buyers with strong credit

Conventional loans are one of the most common types of mortgages — and for good reason. If you have good credit and some savings for a down payment, this might be your best fit.

Why a conventional loan might work for you:

Low rates and flexible terms
Down payments starting at just 3%
No mortgage insurance with 20% down
Works well for many types of homes

Refinance Loan

Refinancing lets you replace your existing mortgage with a new one — often with better terms. Whether you're aiming to lower your monthly payment, switch to a fixed rate, or take cash out from your home's equity, refinancing can be a smart move.

Common Reasons to Refinance:

Reduce your interest rate
Shorten your loan term
Convert from an adjustable to a fixed rate
Access home equity with a cash-out refinance

Refinancing can save you money over time or help you reach new financial goals, depending on your situation.

Bank Statement Loans

Flexible financing for self-employed borrowers and business owners

If you're self-employed or don't receive traditional W-2 income, a bank statement loan can be a great alternative to standard mortgage options. Instead of using tax returns or pay stubs, this loan type allows you to qualify based on your personal or business bank statements.

Why it works for self-employed buyers:

No tax returns or W-2s required
Qualify using 12 to 24 months of bank statements
Ideal for freelancers, entrepreneurs, and small business owners
Offers competitive terms tailored to your financial picture

Bank statement loans make homeownership possible for those whose income might not fit the traditional mold — without sacrificing flexibility or peace of mind.

🏢 DSCR Loan

A no-income-verification loan option for real estate investors

DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors who want to qualify based on the cash flow of the property — not personal income. These loans make it easier to grow a rental portfolio without the need for tax returns or traditional income documentation.

Why investors choose DSCR loans:

No personal income verification required
Qualify based on rental income from the property
Faster approval process
Great for expanding investment portfolios

If the rental income covers the property’s expenses, you may qualify — making this a simple and efficient financing option for investors.

Jumbo Loans

For homes that need bigger loans than usual

A jumbo loan is used when you're buying a home that costs more than the standard loan limit. If you’re shopping for a high-priced or luxury home, this type of loan helps you borrow the extra amount you need.

Key features:

For loans higher than the usual lending limits
Great for luxury or high-cost properties
Available for primary homes, second homes, or investments
Usually requires a higher credit score and a larger down payment

A jumbo loan gives you the power to purchase a more expensive home — with the right guidance to make sure it fits your financial goals.