Services

Let’s face it… There’s a lot of misinformation floating around out there in regards to home loans. Everything from unrealistically low-interest rates being thrown around, (Designed to lure you in – Bait and switch) to downright false information about credit, loan terms, and required down-payments. It’s enough to make you want to throw in the towel sometimes!

That’s why I’ve committed myself to serving my clients in a way that puts them first and keeps them well informed through the entire process. No pressure, just straight-forward answers designed to cut through the smoke and mirrors and give you the info needed to make the best decision for you and your family.

Here are the 4 areas that I specialize in:

Home Purchase Mortgage

When you buy a home, you are engaging in what is likely to be the largest purchase you’ll make during your lifetime. Even the smallest of mistakes can cost thousands or even tens of thousands of dollars in the long-run.

Naturally, this leads to a lot of pressure felt by the home buyer to “not mess things up” – But unfortunately without clear answers, it’s easy to be sucked in by all the misleading advertisements floating around.

When I work with home buyers, I take the time to review every available option, including low down-payment loans, first-time buyer options, conventional, and even what to do if you have damaged credit. We clearly review what to do, versus what not to do as the process proceeds, as well as how to minimize chances of last-minute emergencies prior to the closing.

If you’d like to chat with me for 15 – 20 minutes (Absolutely no pressure when we talk by the way) to get answers to your most pressing questions, as well as analyze which loan types would likely work best for you, then I recommend clicking here to request a free session now.

Refinance

Refinancing an existing home loan is often done for at least one of three reasons: 1. To reduce the interest rate, and therefore the monthly payment. 2. In order to shorten the term of the loan to get out of debt sooner. 3. To modify the terms of a home loan that might include an adjustable rate or PMI payments that the homeowner wishes to remove.

In most cases, a refinance can be completed quite quickly when compared with a traditional home purchase loan. However, just as is the case with a home purchase loan, you are bound to encounter lots of misinformation, and bad advice. (Many times self-serving in nature)

I would be happy to chat with you for 15 – 20 minutes and answer your questions while clearing the air as to what loan options are truly best for your specific situation.

Debt Consolidation

One of the most common problems that homeowners approach me with is that of overwhelming debt! In fact, between 2016 and 2017 the average American consumer with a credit card balance topped $16,000 in cc debt contributing to over $130,000 overall debt!

Is it any wonder that so many homeowners want to explore how they can use their homes to consolidate this high-interest debt into much lower, easily managed monthly payments? Qualifying is easier than you might imagine, and it’s not uncommon to save my clients’ hundreds of dollars monthly. Why not get in touch so we can chat about how much money you might be able to save?

Self Employed Loan

Historically, self-employed home buyers have been put in the hot seat, and under the microscope far more than your average home buyer.  This means far more stipulations, more paperwork, more follow-ups, and often higher interest rates and fees.

Not pleasant right? This is where I can help… Seeing the need for a more streamlined process for self-employed home buyers, I’ve made this niche a special focus of my business. My ultimate goal is less paperwork, fewer stipulations, and hassle, and more competitive loan programs for the self-employed.

All it takes is a simple conversation to figure out which programs I can get you approved for. If you like the sound of an easier approval process with better offerings, then we really should chat. Contact me today!