Loan Program
USDA Loans
Zero down for eligible buyers in eligible areas.
Overview
How I approach it.
USDA financing allows eligible buyers to purchase with 0% down in designated areas. Plenty of suburban and small-town addresses qualify, not just remote rural ones.
I confirm eligibility on the specific address and your household income before you fall in love with a house.
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 →
