Mortgage Options with Clarity and Confidence
Customized Home Loans Tailored to Your Life
25+ years of combined experience!
Discover Your Loan Options
Conventional, FHA, Jumbo, ARM, VA, Reverse, USDA, etc!! We do it all!!
Purchasing
Understand what home prices you qualify for, available programs to you and what payments to expect as a homeowner.
Refinance & Reverse Mortgages
Make Life More Affordable — Lower Payments or Tap into Equity
Whether You’re Buying a New Home Or Refinancing Your Current One, Let’s Talk!
No Cost. No Credit Check. No Hassle.

Why Mortgage Education Matters
Getting a mortgage isn’t just about locking in a great rate, it’s about having a smart, strategic plan. That’s where I come in. When we connect early in your homebuying journey, I’ll help you understand your options, avoid common pitfalls, and put a clear plan in place that aligns with your goals.
Here are a few common mistakes buyers make:
Opening new credit accounts before closing, which can jeopardize loan approval
Changing jobs during the process without consulting a loan expert
Waiting too long to get pre-approved, missing out on the perfect home
By working with me from the start, you’ll stay ahead of the process, not behind it. Let’s build a plan that gives you clarity, confidence, and results.
Understanding Your Loan Options
Every borrower’s situation is unique, and so are the loan products available to them. Whether you're a first-time buyer, a self-employed borrower, or someone exploring investment properties, understanding the pros and cons of FHA, VA, conventional, jumbo, and non-QM loans is key. I break down each loan type in simple terms, so you can make confident, informed decisions that align with your financial picture and long-term goals.
The Power of Pre-Approval
One of the best moves you can make as a buyer is getting pre-approved early in your search. Pre-approval not only clarifies your price range but also shows sellers you’re serious, giving you a competitive edge in a fast-moving market. I’ll walk you through the pre-approval process step-by-step, making sure your income, credit, and documentation are in perfect shape before you start shopping.
Credit Health and Mortgage Success
Your credit score plays a major role in the interest rate and loan programs available to you. I’ll help you understand how lenders evaluate your credit, what actions can improve your score, and which red flags to avoid during the loan process. A little preparation goes a long way, and can save you thousands over the life of your loan.
What to Expect After You’re Under Contract
Once your offer is accepted, the real work begins. From inspections and appraisals to underwriting and closing disclosures, I’ll guide you through each phase of the process. I’ll keep you informed and on track so there are no surprises, only keys in hand on closing day.
Mortgage Calculators

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