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.

Education

Mortgage Calculators

Mortgage Payment Calculator w/ Amortization

Should I Refinance Calculator

Rent vs. Buy Calculator

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.