Who I Help

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Whether it's your first house or your fourth, the process is the same on paper and completely different in practice. I'll walk you through what you can afford, what you'll need, and what happens when.

This is you if: you're house hunting, about to start, or want to know what's possible before you look.

→ For homebuyers

Rates, terms, cash-out, dropping mortgage insurance, shortening your loan. Refinancing only makes sense if the math works — and sometimes it doesn't. I'll tell you either way.

This is you if: you already own your home and want to change the loan on it.

→ For homeowners refinancing

DSCR loans, portfolio financing, and the programs that qualify on the property's income instead of yours. Different rules, different lenders, different conversation.

This is you if: you're buying property to rent out or already own rentals and want to grow.

→ For real estate investors

Multifamily, mixed-use, office, retail, and owner-occupied commercial. Longer timelines, more documentation, and a lender list that has almost no overlap with residential.

This is you if: you're financing property that isn't a one-to-four unit home.

→ For commercial borrowers

Your tax return doesn't tell the whole story about your income. Bank statement loans, P&L programs, and asset-based qualifying exist for exactly this reason.

This is you if: you're 1099, own a business, or your income is hard to document on a W-2.

→ For self-employed borrowers