The core programs most buyers need — all handled with in-house underwriting for faster turn times, clear communication, and reliable closings.
Conventional
FHA
VA
USDA
Outside the Box
Non-QM & Entrepreneur Loans
Self-employed borrowers, investors, and non-traditional income earners don't have to sit on the sidelines. These programs are built for the way real people actually earn money.
DSCR — Debt Service Coverage RatioBank Statement LoansAssets as Income1099 OnlyNo Income — Primary ResidenceNon-Warrantable CondosITIN Loans
Entry-Level Buyers
First-Time Homebuyer Programs
Homeownership is more accessible than you might think. These programs are designed to remove the biggest barrier to entry: the down payment.
3% Down Conventional
Fannie Mae and Freddie Mac both offer 97% LTV financing for first-time buyers. Low down payment with no government backing requirements — great credit profile, clean approval.
FHA House Hacking
Buy a 2–4 unit property with just 3.5% down, live in one unit, and let the rental income from the others offset your mortgage. One of the most powerful wealth-building strategies available.
Remove the Barrier
Down Payment Assistance
State bond programs can put serious money toward your purchase — money you may not have to pay back. Don't let a down payment be the reason you can't buy.
Up to $35,000
Available through state bond programs for eligible buyers. These funds can cover down payment and/or closing costs, dramatically reducing what you need to bring to the table.
Investors & Income Properties
Multi-Unit Properties
From duplexes to small apartment buildings, I can finance investment properties up to 10 units. Whether you're house hacking your first investment or scaling a portfolio, I have the products to get it done.
2–4 Units — Agency Financing
Conventional and FHA programs available with standard down payment requirements. Owner-occupied with rental income can help qualify.
5–10 Units — Non-QM / Portfolio
DSCR and portfolio lending options for experienced investors. Qualify on cash flow, not personal income.
Move-Up Buyers
Buy Before You Sell
Already own a home? Your current property shouldn't hold you back from buying your next one. With our Buy Before You Sell program, you can qualify for your new home before you sell — no contingent offer, no waiting on a sale to close.
Eliminate the Contingent Offer
Make a clean, competitive offer — not one contingent on selling your current home. In a competitive market, this is a game changer.
Close Faster
Without waiting on the sale of your current property, timelines tighten up significantly. Sellers notice — and prefer — the certainty.
Confidence at the Offer
Fully Underwritten Pre-Approvals
A standard pre-approval letter is a quick credit check and a few questions. A fully underwritten pre-approval is a completed loan review — the heavy lifting done before you ever write an offer.
Underwriting Complete Before the Offer
Income, assets, and credit are fully reviewed and signed off. When you find a home, we're already past the hardest part.
Fast, Smooth Closings
Without surprises in underwriting, closings happen on time and on schedule — so you can move in with confidence.
Stand Out at the Offer
Guaranteed Closing
Make your offer stand out before the seller even looks at price. We back our pre-approval with a closing guarantee — giving the seller real financial assurance that we will close.
$5,000*
Guaranteed to the seller if we fail to close your approved loan
Purchase price up to $500k — $5,000 guarantee
$500k – conforming loan limit — $7,500 guarantee
$1M+ — $10,000 guarantee
The Long Game
No-Cost Refinance When You Buy With Us
When you buy with me today, you earn a no-cost refinance for the future. If rates drop, you can lower your payment without paying closing costs again — no catches, no re-origination fees.
"Buy now, refinance later — for free."
It removes the hesitation of buying in a higher-rate environment. You're not locked in forever — and it costs nothing to take advantage when rates improve.