Loan Programs

Every loan path,
explained.

Intelligent Mortgage Solutions for Life’s Biggest Moves.

I work with a wide range of loan programs, and here’s the thing — there’s no one-size-fits-all answer. Every option is explained through a personalized video so you understand the tradeoffs before you decide.

Conventional Loans

The most common path to homeownership — and for good reason. Conventional loans offer competitive rates with as little as 3% down, ideal for borrowers with strong credit and stable income.

Fixed and adjustable rates Down payments as low as 3% Private mortgage insurance (PMI) can be removed at 20% equity No upfront mortgage insurance premium

FHA Loans

Backed by the Federal Housing Administration, FHA loans are designed for buyers who may not have perfect credit or a large down payment. If you’re a first-time buyer, this is often a great place to start.

Down payments as low as 3.5% Credit scores starting at 580 Government-backed security Upfront and annual mortgage insurance required

VA Loans

If you’ve served, this one’s for you. VA loans are available to eligible veterans, active-duty service members, and surviving spouses — and they offer some of the best terms in the mortgage market.

Zero down payment No private mortgage insurance Competitive interest rates VA funding fee applies (waivable with disability)

Jumbo Loans

Buying in a high-cost market or looking at a higher price point? Jumbo loans cover properties that exceed conforming loan limits, with terms tailored to your situation.

Loan amounts above conforming limits Fixed and adjustable rate options Primary, secondary, and investment properties Competitive rates for qualified borrowers

USDA Loans

Here’s a hidden gem: zero-down financing for homes in eligible rural and suburban areas. If you’re buying outside a major metro, this could save you a lot upfront.

Zero down payment Low mortgage insurance costs Income eligibility requirements Rural and suburban property eligible

HELOC & Equity Loans

You've built equity in your home — now you can put it to work. Whether it's for home improvements, debt consolidation, or something else entirely, I'll help you figure out which option fits.

Home equity line of credit (HELOC) Fixed-rate home equity loans Borrow against your equity Flexible draw periods

Refinancing

Lower your rate, shorten your term, cash out equity, or remove PMI — but only if it makes sense for you. I'll show you the real numbers and help you decide.

Rate-and-term refinance Cash-out refinance Streamline refinance (FHA/VA) No-closing-cost options available

Self-Employed & Bank Statement Loans

Here's something most people don't know: traditional tax returns don't always show the full picture of what you earn. Bank statement and non-QM loans help self-employed borrowers qualify based on actual income.

12 or 24 month bank statement programs Asset depletion loans DSCR for investment properties No tax return required

Not Sure Which Loan?

I’ll walk you through it.

Not sure if conventional, FHA, or VA is right for you? That’s exactly what I’m here for. Let’s talk through your goals — and I’ll put together a personalized video breakdown so you can see everything side by side.

Get in Touch

Every loan path,explained.