I work with FHA, VA, USDA, Conventional, Jumbo, and Non-QM (DSCR, Bank Statement, Condo, HELOC) loans — helping you find the program that best fits your needs.
No. Many programs are available for buyers with lower credit scores, including FHA and VA loans. I’ll guide you to the right option for your situation.
Down payments vary depending on the loan type. Some programs allow 0% down (VA and USDA), FHA loans start at 3.5%, and Conventional loans can start as low as 3%.
Yes! In fact, getting pre-approved is the best first step. It helps you understand your budget and makes your offer stronger when you find the right home.
On average, 30–45 days from application to closing, but timelines can vary depending on the loan type and how quickly documents are provided.
Absolutely! I love helping first-time buyers understand the process step by step. I’ll explain everything clearly and make sure you feel confident.
I’m currently licensed in Florida, Alabama, Georgia, Tennessee, and Louisiana.
Yes, I help clients with both home purchases and refinances. Refinancing may lower your rate, reduce your monthly payment, or help you tap into home equity.
Typically, you’ll need recent pay stubs, W-2s or tax returns, bank statements, a photo ID, and information about any debts or assets. If you’re self-employed, additional documents like profit & loss statements may be required.
Pre-qualification is an initial estimate of how much you may qualify for, based on basic info. Pre-approval is a deeper review of your finances and credit, giving you a stronger position when making an offer on a home.
Yes! There are special loan programs, like Bank Statement or DSCR loans, designed for self-employed borrowers and investors. These allow more flexibility in verifying income.
Not necessarily. Rates change often, and while refinancing later is an option, waiting too long could mean missing the right home. I’ll help you weigh the pros and cons for your unique situation.
Closing costs usually range from 2–5% of the home’s purchase price. They cover items like appraisal, title, insurance, and lender fees. I’ll explain these clearly upfront so there are no surprises.
Yes! I help clients with both refinances and home equity lines of credit. These options can save you money or give you access to funds when you need them.
