Mortgage Broker
NMLS ID: 2294784
At the core of my professional mission lies an unwavering commitment to making the lending process the most convenient, honest, transparent, and truly beneficial experience for each and every one of my esteemed clients. I firmly believe in fostering a relationship built on trust, one where you can rest assured that your financial aspirations and dreams are in capable hands.
With a commitment to integrity and honesty, I strive to provide you with nothing less than the most affordable and customized home loan options available in the market. Your trust is of the utmost importance to me and I understand the significance of such a major financial decision. That is why I prioritize transparency and open communication to ensure that you are well-informed at every step of the process.
Get a quoteLOAN PROGRAMS
HOME POSSIBLE
The Freddie Mac Home Possible® program is a low down payment mortgage option for homebuyers with low to moderate income.
DOWN PAYMENT - FROM 3%
PROGRAM HIGHLIGHTS:
- No income limits or geographic restrictions
- Fixed-rate financing for easier budgeting
- Homebuyer education is required for first-time buyers
FHA Loans
Great option for people with low credit score a small downpayment to purchase or refinance their primary residence.
DOWN PAYMENT - FROM 3.5%
PROGRAM HIGHLIGHTS:
- Flexible credit score requirements
- These loans are insured by the Federal Housing Administration (FHA)
- Fixed or adjustable rates for 30- or 15-year terms are available
*Loan limits are in accordance with HUD guidelines
HOMEREADY
Is a program by Fannie Mae, it’s designed to serve low-income and low-credit-score buyers looking to finance a home loan.
DOWN PAYMENT - FROM 3%
PROGRAM HIGHLIGHTS:
- Low income
- First-time or repeat homebuyers
- Homeowner education helps you understand and manage the long-term financial commitments of home ownership
PRIME JUMBO
Up to 89.99% LTV
Min FICO - 660
PROGRAM HIGHLIGHTS:
- 15 & 30 Year Fixed up to $2mm
- Cash out up to 89.99% LTV
- DU Approve/Ineligible
- No Mortgage Insurance required
- Primary, Second Home and Investment properties are allowed
- Purchase, Rate/Term Refinance and Cash-Out Refinance
- Delayed financing is available up to 180 days
- No Overlays on Reserves, Credit and Tradelines – per DU
- Income as per DU, no Self-Employed adjustment
FOREIGN NATIONALS
LTV - 80%
NO SCORE/FICO - 599
PROGRAM HIGHLIGHTS:
- Loan Amount up to $3mm
- Cash Out allowed
- DSCR as low as 0
- CPA Letter last 2Y & YTD
- 1 Bank Reference Letter
- Overseas Assets allowed as Reserves
- Gift Funds allowed
FULL DOC NON-QM
LTV - 90%
FICO - 580
PROGRAM HIGHLIGHTS:
- 15 & 30 Year Fixed up to $2mm
- Cash out up to 89.99% LTV
- DU Approve/Ineligible
- No Mortgage Insurance required
- Primary, Second Home and Investment properties are allowed
- Purchase, Rate/Term Refinance and Cash-Out Refinance
- Delayed financing is available up to 180 days
- No Overlays on Reserves, Credit and Tradelines – per DU
- Income as per DU, no Self-Employed adjustment
NON PERMANENT RESIDENT ALIEN
FICO - FROM
660
LTV - UP TO
90%
12 MONTHS
RESERVES
PROGRAM HIGHLIGHTS:
- Bank Statement Documentation – personal or business bank statements
- Foreign CPA Letter Income Verification allowed for investment property transactions, qualifying credit score allowed at 640 or whichever is lower
- No Income Investment Credit Grade
FHA STREAMLINE
This is the go-to program for homeowners who currently have an FHA mortgage.
PROGRAM HIGHLIGHTS:
- No appraisal, no income documentation required
- You must have made at least six payments on your FHA mortgage
- To qualify, you’re required to be current on your monthly loan payments
BRIDGE LOANS
LTV - 70%
FICO - 580
PROGRAM HIGHLIGHTS:
- Fast Closing
- Interest Only
- No Income on 1003
- Foreign National allowed
- No Prepayment Penalty
- No Asset Seasoning
FHA HIGH BALANCE
If you plan to buy in an area considered high cost, high balance mortgage loans may be the solution you’re looking for.
DOWN PAYMENT - FROM 3.5%
PROGRAM HIGHLIGHTS:
- Loan amount up to $765,600 depending on home location
- Primary residence, second home and investment property
- Condo financing available
DSCR NO INCOME
LTV - 80%
FICO - 599
PROGRAM HIGHLIGHTS:
- Loan Amount up to $3mm
- Max Cash in hand $1,000,000, no limit for LTV <55%
- 30 & 40 Year Fixed, 5/1 ARM, 7/1ARM
- No Income, No Employment
- DSCR as low as 0
- Cash out proceeds may be used for Reserves
- Available for Foreign National under FN DSCR program
1 Y P&L ONLY
LTV - 85%
FICO - 580
PROGRAM HIGHLIGHTS:
- 1Y P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
- No Bank Statement required
- Max DTI 55%
- Cash out up to 80% LTV
- Loan Amount up to $4mm
- Max Cash in hand $1,000,000
- Super Prime & Prime Programs
ASSET UTILIZATION
LTV - 80%
FICO - 580
PROGRAM HIGHLIGHTS:
- Cash out up to 75% LTV
- Savings and CHK. 100%
- Securities at 90%
- Retirement at 70%
- Cash out available
- Income calculation - All Eligible Assets Divided by 60
- Super Prime & Prime Programs
12/24 MONTHS BANK STATEMENT
LTV - 90%
FICO - 580
PROGRAM HIGHLIGHTS:
- Loan Amount up to $4mm
- Max Cash in hand $ 1,000,000, no limit for LTV <55%
- 3 Months Reserves
- 12 Months from Bankruptcy, Foreclosure
- Mtg History 0x60x12
- Combination of Business and Personal Bank STMTs allowed
- Condo and condotels allowed
2 Y P&L ONLY
LTV - 85%
FICO - 580
PROGRAM HIGHLIGHTS:
- 2Y P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
- No Bank Statement required
- Loan Amount up to $4mm
- Max Cash in hand $1,000,000
- Super Prime & Prime Programs
- Max DTI 55%
- Cash out up to 80% LTV
CONVENTIONAL LOANS
Low cost loan for borrowers with good credit.
DOWN PAYMENT - FROM 3%
PROGRAM HIGHLIGHTS:
- The loan limit is $510,400
- DTI as determined by AUS
- Wide range of down-payment options
- Fixed or adjustable rates for primary, second homes, investment properties
- No mortgage insurance with at least 20% down payment
Fannie Mae Refi Now + Freddie Mac Refi Possible
LTV - 97%
FICO - 620
Max DTI - 65%
PROGRAM HIGHLIGHTS:
- Designed for lower-income families
- Must be owner-occupied, 1-unit primary residence financed through Fannie Mae or Freddie Mac
- Lowers interest rate by 0.5% and monthly payment* by at least $50
- Income at or below 80% of the area median income (AMI)
- Borrower will receive $500 credit at closing if they have an existing appraisal
- Roll up to $5,000 in closing costs for those with limited cash to close with cash-out limited to $250
- Reduced Documentation requirements
HIGH BALANCE CONVENTIONAL LOAN
A Conforming High Balance loan offers program flexibility and attractive pricing to the homebuyer for amounts above the conforming limit.
DOWN PAYMENT - FROM 5%
PROGRAM HIGHLIGHTS:
- Loan amount up to $765,600 in high-cost areas for a single unit
- Eligible for primary and second homes
- More competitive rates and easier guidelines
- Faster turn times
WVOE / 1099
80% LTV
for
WVOE
80% LTV
for
1099
FICO - 580
PROGRAM HIGHLIGHTS:
- Loan Amount up to $4mm
- Max DTI 55%
- Cash out available
- Completed FNMA Form 1005 for 2-Year history with same employer