Most lenders have one box, and if you don't fit it, you're out. I work with programs for self-employed borrowers, business owners, and investors — plus every traditional loan a buyer or homeowner needs. Here's the full menu.
The loans most of my clients come for — buying a home, lowering a payment, or putting equity to work.
Whether you're buying your first place or moving up, I'll shop the right fit across conventional, FHA, VA, USDA, and jumbo financing — from zero-down options for those who qualify to high-balance loans for premium homes.
Want a lower rate, a shorter term, or cash out for a big goal? I'll run the numbers on your current loan and show you exactly what a refinance saves — or unlocks — including the break-even point so it's a clear decision, not a guess.
Your equity is one of your most useful financial tools. Tap it through a HELOC, a home equity loan, or a cash-out refinance to fund renovations, consolidate debt, or invest — often while keeping the low first-mortgage rate you already have.
For homeowners 62 and older, a reverse mortgage can turn home equity into tax-free funds with no required monthly mortgage payment — a flexible tool for supplementing retirement income while staying in the home you love.
If your tax returns understate what you really make, these four programs qualify you on your actual income — not your write-offs.
Qualify on 12–24 months of business or personal bank deposits instead of tax returns. Built for owners with strong cash flow and heavy write-offs.
Talk through itFor contractors and commission earners. Qualify using your 1099s — no need to untangle two years of complex returns.
Talk through itQualify with a CPA-prepared profit-and-loss statement. A clean path for established businesses with organized books.
Talk through itFinance rental property on the home's income, not yours. No personal income verification — ideal for building a portfolio.
Talk through itTell me a little about your situation — how you're paid, what you're trying to do — and I'll point you to the right program and what it'd take to qualify. No pressure, no obligation.
Find My Best OptionOne honest conversation, no pressure. Tell me about your situation and I'll tell you straight which loan fits — and how to get there.
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