Navigating the mortgage process can feel overwhelming, but I’m here to make it simple. Whether you’re buying your first home, refinancing, or investing in real estate, I provide clear, straightforward answers to all your mortgage-related questions.
I offer a variety of loan programs, including Conventional, FHA, VA, USDA, Non-QM, Bank Statement Loans, DSCR Loans, Hard Money Loans, and Down Payment Assistance Programs to meet different financial needs.
I assess your financial situation, credit score, income, and homeownership goals to help you choose the best loan program tailored to your needs.
The minimum credit score varies by loan type. FHA loans may allow scores as low as 580, while Conventional loans typically require 620 or higher. Some Non-QM loans have more flexible credit requirements.
Down payments vary based on the loan type. FHA loans require as little as 3.5%, VA and USDA loans offer 0% down, and Conventional loans start at 3-5% down. Down Payment Assistance programs are also available.
The loan process typically takes 21-30 days, but it can vary based on factors like documentation, appraisal, and underwriting. I work to ensure a smooth and efficient process.
Closing costs typically range from 2-5% of the home’s purchase price and include lender fees, title insurance, and appraisal costs. Some loan programs allow you to roll these costs into the loan.
Yes! Refinancing can help lower your interest rate, reduce monthly payments, or cash out equity for other financial needs. I can help determine if refinancing is right for you.
Absolutely! I provide DSCR loans, Hard Money Loans, and Bank Statement loans, which are great options for investors who may not qualify with traditional income documentation.