Loan options · Florida + Georgia
Your life does not fit in a box. Your mortgage deserves a closer look.
Buying, building, investing, refinancing, or figuring out complicated income? Start with your goal. I’ll help you understand the financing paths that may fit.
Loan options are a starting point. Availability, documentation, pricing, costs, and eligibility depend on your borrower profile, property, and current lender requirements.
Explore your options
Buying a home
Start with the home, the payment you are comfortable with, and the programs worth comparing.
Conventional loans
Review the loan structure, down payment, and mortgage insurance when applicable.
Explore this option →FHA loans
Understand the program, qualifying considerations, and mortgage insurance.
Explore this option →VA home loans
Explore financing for eligible veterans, service members, and qualifying surviving spouses.
Explore this option →USDA home loans
Review the property location, household income, and primary-residence requirements.
Explore this option →Jumbo financing
Review financing above the applicable conforming loan limit.
Explore this option →Down payment assistance
Learn how assistance structures differ and why the complete cost matters.
Explore this option →Explore your options
Self-employed & complex income
Your income may need a different conversation than a standard pay stub. Let’s look at what can be documented.
Bank statement loans
Explore an alternative documentation path for eligible self-employed borrowers.
Explore this option →1099 borrowers
Review income documentation options for contractors and self-employed buyers.
Explore this option →Commission & variable income
Understand how lenders review income that changes from month to month.
Explore this option →Asset-based qualifying
See how eligible assets may be considered in qualifying income calculations.
Explore this option →Explore your options
Investors & second homes
Start with how you will use the property and what you want the financing to accomplish.
DSCR investor loans
Learn how rental income and housing costs are compared for investment financing.
Explore this option →Investment-property documents
Organize leases, tax returns, property expenses, and portfolio details.
Explore this option →Second-home financing
Review personal use, property requirements, and how this differs from an investment.
Explore this option →Explore your options
Manufactured homes, construction & property questions
Sometimes the property is the part that needs the most attention. Let’s review it before you write the offer.
Manufactured-home financing
Work through foundation, title, property, and program questions with me.
Explore this option →Builder financing comparisons
Compare builder incentives, outside financing, costs, and the full transaction.
Explore this option →Condo project reviews
Understand why the association and building can affect financing.
Explore this option →Renovation financing
Tell me about the property and project so we can review possible financing paths.
Ask about renovation loans →Explore your options
Refinancing & home equity
A new loan should serve a purpose. Start with the goal, then compare the payment, costs, and tradeoffs.
HELOCs & home equity
Compare ways to access equity and understand the risks behind the options.
Explore this option →Refinance planning
Review payment goals, equity use, costs, and the time you expect to keep the loan.
Explore this option →VA streamline refinance
Learn how an IRRRL works and why the cost and savings need a close look.
Explore this option →Mortgage recasting
Learn about applying a principal payment and requesting a new payment calculation.
Explore this option →My difficult deal desk
Already heard “no”? Let’s understand why.
A different opinion starts with the actual reason for the denial and a review of your full situation. Sometimes there is another path. Sometimes there is a plan to work toward.
Education before hype