Loan Program
Conventional Loans
Clean, conventional financing, shopped across lenders for the best fit and pricing.
Overview
How I approach it.
Conventional loans are the backbone of mortgage lending. Depending on eligibility, down payments can start as low as 3%, with many scenarios starting around 3 to 5%.
Even on a simple file, I can compare pricing and guidelines across wholesale lenders rather than one bank’s retail rate sheet.
How It Runs
Six steps, with me in every one.
01Initial Conversation & Strategy
I start by understanding your goals, income, assets, credit profile, property, timeline, and anything unusual about the scenario.
02Application & Documentation
We complete your application and I gather the documentation I need to fully understand and evaluate the file.
03Shop Lenders & Programs
With the complete scenario in hand, I compare lenders, products, guidelines and pricing to find where the loan fits best.
04Pre-Approval & Loan Structuring
I determine the best financing strategy and structure the loan properly. This is more than just generating a pre-approval letter.
05Underwriting & Communication
I stay involved through the whole file, work through conditions and issues as they arise, and keep you and your agents informed.
06Clear to Close & Closing
I review the final figures with you, coordinate the remaining pieces, and get the loan across the finish line.
Specialties
Where I focus.
Self-Employed & Bank Statement
Qualify on what you actually earn, using bank statements instead of tax returns.
Learn more →Investor & DSCR Loans
Qualify on the property’s rental income and cash flow, including short-term rentals.
Learn more →
