• CONVENTIONAL, DSCR, FHA, AND VA PROGRAMS
• 2ND POSITION HELOC/HELOAN OPTIONS
• REVERSE MORTGAGES
• QUALIFY WITH BANK STATEMENTS, ASSETS, OR 1099'S
• HARD MONEY QUALIFIED ON EQUITY
• BRIDGE LOANS TO EXPEDITE YOUR NEXT PURCHASE WHILE UPGRADING THE DEPARTING HOME FOR SALE
• CONSTRUCTION FINANCING
• LIGHT COMMERCIAL FINANCING
• LENDING UP TO $30,000,000
CUSTOMIZED MORTGAGE PLANNING
Premium mortgage service doesn't have to come at a premium price. I focus on smart solutions, honest advice, and real value.
Whether you're buying a dream home, purchasing an investment property, consolidating debt, or renovating your home, the goal is to create a smart mortgage strategy that you can trust.
I shop multiple lenders and programs to find the solution that works best for you while considering rates, costs, loan terms, and flexibility to match your unique financial situation.
Transparency is key. I'll explain your options clearly and walk you through every step, helping you move forward with confidence and peace of mind.
My support does not end after funding. I will continue to be a resource for you, offering guidance as your financial needs and goals evolve over time.
LEVERAGING EQUITY
Home equity is often a homeowner’s largest financial asset and using it wisely can accelerate wealth building.
• ACCESS LOW-COST CAPITAL: Equity offers lower interest rates than most other forms of borrowing, making it an affordable way to fund goals.
• INCREASE PROPERTY VALUE: Use equity for renovations that boost your home’s worth and long-term appreciation.
• CONSOLIDATE DEBT: Combine high-interest debts into one lower-rate payment to improve cash flow.
• INVEST IN REAL ESTATE: Leverage equity to purchase investment properties and build additional income streams.
• MAINTAIN FINANCIAL FLEXIBILITY: A HELOC or cash-out refi provides accessible funds for opportunities or emergencies.
• PRESERVE SAVINGS: Tap equity instead of draining cash reserves or selling investments.
Where clarity meets competitive financing.
Easy Access to Equity
• Min FICO: 600 for Primary Residence / 640 for 2nd Home & Investment • Max Loan Amount: $750,000 • Max CLTV: Up to 90% depending on FICO & property • Fast Closings: 0–6 Day Funding Available • Typically no appraisal under $250k • PLAID integration available for instant bank statement verification • Interest Only: Adjustable for first 5 years, then fixed for remaining 25 years • HELOC Draw Period: 5 Years • Repayment Period: 25 Years (10 Years in Tennessee) • HELOC Loan Amounts: $25,000–$750,000 • Variable Rate Program tied to WSJ Prime Rate + fixed margin
Regular Hours
08:00 AM – 07:00 PM
08:00 AM – 07:00 PM
08:00 AM – 07:00 PM
08:00 AM – 07:00 PM
08:00 AM – 07:00 PM
08:00 AM – 05:00 PM
01:00 PM – 05:00 PM