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Get your mortgage tripp started today!

Focused on putting my clients first, I specialize in understanding unique homebuying needs and wants - tailoring my lending products to maximize value for every individual financial situation while remaining practical and down to earth.

Dedicated to creating a seamless homebuying process, I personalize the experience from start to finish. Whether you're buying your first home or your fifth, I'm the kind of mortgage partner you’ll want in your corner for years to come.

NMLS ID: 1274161

What loan program is right for you?

Conventional Loans

Conventional loans are not insured by a government agency and are offered by private lenders like banks or credit unions, following guidelines from Fannie Mae or Freddie Mac. They require a credit score of at least 620, with a down payment of 3% to 20% (PMI applies if less than 20%). Ideal for borrowers with strong credit, they offer flexible terms and competitive rates, suitable for primary residences, second homes, or investment properties.

FHA Loans

FHA loans, insured by the Federal Housing Administration, cater to first-time buyers and those with lower credit. A minimum credit score of 580 allows a 3.5% down payment (10% if 500-579), with lenient debt-to-income ratios (up to 43%). They include an upfront mortgage insurance premium (1.75%) and annual MIP, making them accessible but costlier over time, yet limited to primary residences.

VA Loans

VA loans, backed by the U.S. Department of Veterans Affairs, benefit eligible veterans, active-duty members, and some spouses with no down payment or PMI. A credit score around 620 is typical, with a VA funding fee (1.25%-3.3%) as the main cost. Restricted to primary residences, they offer competitive rates and support purchases or refinances.

DPA Programs

Down Payment Assistance programs, from state/local governments or nonprofits, help buyers with down payments via grants or low-interest second mortgages (3%-5% of purchase price). Eligibility often requires a 620+ credit score, low-to-moderate income, and homebuyer education. They reduce upfront costs but may involve repayment or higher primary loan rates.

Refinance Options

Refinancing replaces an existing mortgage with a new loan to lower rates, adjust terms, or access equity. Options include rate-and-term or cash-out refinancing (up to 80% equity). Requires a 620+ credit score and sufficient equity; costs (2-5% of loan) and rate trends will influence lending decisions.

Let's make home finance simple.

Step 1: Complete your application.

You’ll enter your personal and financial information so we can get a full picture of your goals and financial qualifications. Be sure to upload all your documents—this helps us provide you with an accurate and timely pre-approval.

Step 2: Request your credit report.

After submitting your application, you’ll need to request and pay for your credit report. This provides us access to your most current credit scores, allows a review your credit history and general financial eligibility for a variety of available products.

Step 3: Feel totally confident.

Once we’ve reviewed your application and credit report, we’ll discuss your loan options, pre-approval terms, monthly payments, and any other questions you have about the homebuying process from start to finish.

Step 4: Make your realtor happy!

Having a pre-approval in hand is the necessary step which separates a home browser from a home buyer. Don't be caught at an open house without one. If you need recommendations for amazing realtors, I know quite a few.

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