A home loan that fits
the life behind it.
Conventional, purchase, refinance, and every program in between — worked by one loan officer who knows your file by name.
Conventional
Fannie Mae and Freddie Mac financing for the majority of buyers and refinances — predictable underwriting, competitive pricing, and the widest set of lender options.
- Standard purchase & rate-and-term / cash-out refinance
- HomeReady and Home Possible — low down payment options
- Renovation financing (HomeStyle)
- Conforming and high-balance loan limits by county
FHA & VA
Government-backed programs built for lower down payments, flexible credit, and — for those who've earned it — zero down.
- FHA 203(b) standard purchase, 3.5% down
- FHA 203(k) renovation — buy and renovate in one loan
- FHA Streamline Refinance — reduced documentation
- VA purchase, IRRRL, and cash-out — zero down, no PMI
- VA second-tier entitlement for repeat use
Jumbo & Non-QM
For loan amounts above conforming limits, or income that doesn't fit a standard W-2 box — there's almost always a program.
- Jumbo full-doc, interest-only, and asset-depletion qualification
- Bank statement programs for self-employed borrowers
- P&L-only and WVOE qualification options
- Foreign national and ITIN financing
First-Time Buyer
Programs designed specifically to lower the barrier to that first set of keys.
- Conventional 97 — 3% down
- HomeReady — income-flexible, reduced PMI
- California and Arizona down payment assistance programs
- Gift funds and co-borrower guidance
Investment Property
For buyers building a portfolio — financing that qualifies on the deal, not just the W-2.
- DSCR loans — qualify on property cash flow, not personal income
- Non-owner-occupied 1–4 unit purchase and refinance
- Foreign national investor programs
- Portfolio and blanket loan options for multiple properties
Reverse Mortgage (HECM)
Turn your home equity into cash flow while continuing to live in the home you love. For homeowners age 62 and older, a Home Equity Conversion Mortgage (HECM) can provide additional financial flexibility in retirement without requiring monthly mortgage payments.*
Considering a Reverse Mortgage?
Many homeowners I work with are looking for ways to supplement retirement income, eliminate an existing mortgage payment, cover unexpected expenses, or simply create more financial flexibility.
A reverse mortgage isn't right for everyone, but for the right homeowner it can be a powerful financial tool. I've originated reverse mortgages for clients in exactly this situation, and I'm happy to discuss your goals, answer your questions, and help determine whether a HECM is a good fit for you and/or yours.
Common Questions
Do I still own my home?
Yes. You remain the owner of the property.
Can I leave my home to my heirs?
Yes. Your heirs can typically sell the property and keep any remaining equity, or pay off the loan balance to keep the home. Refinancing into a new loan is generally only an option if the heir was already a co-borrower on the original HECM, which is uncommon.
Do I have to make monthly mortgage payments?
No required monthly mortgage payments are due as long as you continue to live in the home and meet loan obligations.*
How can I receive the funds?
You can choose a lump sum, line of credit, monthly payments, or a combination of these options.
*Borrowers must continue to pay property taxes, homeowners insurance, HOA dues (if applicable), and maintain the property. The loan becomes due when the last borrower permanently leaves the home or no longer meets loan obligations.
Wondering if a Reverse Mortgage Makes Sense for You?
Let's have a conversation about your goals and review your options.