Finding the loan that is right for you, is my specialty. 


With so many home loan options, it can be difficult to know the the right one for you. We make that process easier by getting to know you better,  so we can understand your specific needs and goals. 

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Loan Options


Not sure if you qualify? There are many programs available for individual mortgage loan scenarios. Low or zero down payment options, gift down payments or receiving a gift of equity when buying from family or doing a 1031 exchange. If you're a first-time home buyer, you've probably listened to friends', family and co-workers about the benefits of owning a home.  You may be unsure if buying a home is the right thing for you to do. Relax. Having reservations is normal. The more you know about why and how to buy a home, the less scary the entire process will be.


Are you trying to decide if it makes sense to refinance your home?  What do you want out of your refinance? Here are just a few reasons homeowners decide to refinance their mortgage: Lower your monthly payment, interest rate or terms. Pay off your mortgage faster. Get cash to remodel or update your home. Consolidate your debt or earn more from your investment property. I can help you determine the best option to help you reach your goals.

Loan Programs


First Time home Buyer

  • Zero to low down payment options
  • Little to no credit history options
  • Family can provide gift for down payment

FHA Loans

  • 3.5% down payment
  • Gifts for down payment & closing costs allowed 
  • Low rates
  • Lower credit scores o.k.
  • Less waiting period after credit events
  • Purchase, refinance and remodeling loans: can purchase a home that needs updates or repairs with a remodel loan

va loans - zero down payment for our veterans

  • Zero down payment
  • Low rates
  • Purchase or refinance options
  • Lower credit scores o.k.
  • Less waiting period after credit events

odva loans

  • Low down payment
  • Low rates
  • No funding fee
  • You can have a VA loan and an ODVA loan

usda loans- Zero down payment in rural areas

  • Zero down payment
  • Great for those who want to live in more rural areas - call to verify if your home qualifies

one time construction loans

  • Build on your own lot or buy land & build
  • FHA, VA & conventional construction options

hard money loans

  • Having difficulty fitting into the typical loan parameters? Give us a call today to inquire about other loan options available to you.