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Home Loan Options

Not sure what fits? I’ll show you the options—and help you choose the one that supports your goals.

Mortgage Calculator
Refinance Calculator
Affordability Calculator

Home Loan

The classics—done right.

  • Conventional
  • FHA
  • Down Payment Assistance

Refinances & Reverse Mortgages

Make your mortgage work better for you.

  • Rate/term refinance
  • Cash-out refinance
  • Reverse mortgage

VA & USDA Loans

 High-value programs for eligible buyers.

  • VA (a favorite for a reason)
  • USDA (for qualifying rural/suburban areas)

Specialty Home Loans

When your income or goals don’t fit the standard mold.

  • HELOC + HELOAN
  • Non-QM + bank statement loans
  • Business owner solutions

Frequently Asked Questions

How fast can I get pre-approved?

Often the same day (sometimes faster) once I have what I need. I’ll tell you exactly what to upload and what’s optional.

What if I’ve been told “no” before?

That’s one of my favorite calls. We’ll look at what happened, what’s fixable, and what other paths exist.

Do you work nights and weekends?

Yes—because real estate does. If you’re writing an offer or need a quick answer, you won’t be waiting.

What credit score do I need?

It depends on the program and your full profile. Instead of guessing, I’ll review your goals and show you real options.

How much do I need for a down payment?

Some loans allow low down payment, and there are Down Payment Assistance paths depending on eligibility.

I’m self-employed—can I still qualify?

Absolutely. We can explore bank statement and other business-owner friendly programs when traditional docs don’t tell the full story.

HELOC vs. cash-out refinance—what’s better?

Depends on your rate, goals, timeline, and how you want to access funds. I’ll run both scenarios so you can compare cleanly.

Do you offer reverse mortgages?

Yes. If you’re 62+ and want to explore using home equity to create flexibility, we can walk through it together.