Home financing, the friendly way.

Pre-qualification is a quick, informal estimate of what you might be able to borrow. Pre-approval is stronger: I verify your income, assets, and credit, so you get a documented amount to shop with — and sellers take your offer more seriously. I always recommend getting pre-approved before you house-hunt.

Often, yes. Several conventional programs allow as little as 3% down, FHA goes as low as 3.5%, and VA and USDA loans can offer 0% down for those who qualify — plus there are down-payment assistance programs. The right fit depends on your situation, which is exactly what I help you figure out.

There's no single number — it depends on the price, your down payment, your other monthly debts, and current rates. Lenders look at your debt-to-income ratio, not income alone. Try my affordability calculator for a ballpark, then we'll dial in a real number together.

It varies by loan program — some allow lower scores than people expect, with options across a wide credit range. A higher score usually means better terms, but don't count yourself out. If your credit needs work, I can point you in the right direction before you apply.

Most purchase loans close in about 30 days, though it can be faster or slower depending on the loan type, appraisal, and how quickly documents come together. I keep things moving and communicate every step so there are no surprises.

Closing costs are the fees to finalize your loan — appraisal, title, lender fees, and more — and typically run around 2–5% of the loan amount. Some can be negotiated, rolled in, or covered by seller credits. I'll walk you through a clear estimate up front.

Even a small rate change moves your payment, since interest is charged on your whole balance over many years. See exactly how much with my payment calculator. As a broker, I shop multiple lenders to find you a competitive rate.

As an independent broker I offer conventional, FHA, VA, USDA, and jumbo loans, plus refinancing and cash-out options — shopping multiple lenders to find a competitive rate and the right fit for you.

Yes. I offer bank statement loans (qualify with bank statements instead of tax returns — ideal for the self-employed), ITIN loans for borrowers without a Social Security number, and DSCR loans for real estate investors that qualify on the property's rental income. These non-QM programs are built for borrowers who don't fit the traditional box.

Instead of a single bank's products, I work with many lenders and compare their rates and programs on your behalf — so you get options, not just one institution's answer.