Before you start house hunting, it’s important to know exactly how much you can borrow. I’ll help you get a clear picture of your budget, loan options, and what makes sense for your financial goals. That way, you’ll shop with confidence—knowing the homes you’re considering are within reach.

Not all loans are created equal. From VA loans to conventional and investment options, each program has its own advantages. I’ll walk you through the choices, explain the benefits in plain language, and help you select the loan that matches your financial goals today, and your wealth-building plans for tomorrow.

Once you’re ready, it’s time to complete your loan application. I’ll make sure you know exactly what documents you’ll need and walk you through the process step by step. You can apply online at your convenience, or connect directly with me to talk through your options before submitting.

Either way, I’ll keep it clear, simple, and stress-free.

View Application Checklist

Once your application is submitted, I get to work making sure everything moves smoothly. Approval comes down to two key things: your ability to repay the loan and the value of the property. During this stage, I’ll help verify your income, credit, assets, and property details so there are no surprises.

Here’s what’s reviewed:

Income & Employment – Making sure your income supports your monthly payments.
Credit History – Checking how you’ve handled debts in the past.
Assets – Confirming you have the funds for your down payment and closing costs.
Appraisal – Ensuring the property’s market value matches the loan.

To keep things moving, it’s important to respond quickly if I request additional documents. And a few pro tips: don’t make big purchases, don’t move large amounts of money around without a paper trail, and try not to travel right before closing. These small steps keep your loan on track and ready for approval.

Once your loan is approved, it’s time to finalize the details and sign your documents. I’ll walk you through everything so you know exactly what you’re signing -your rate, terms, and personal details will always match what we agreed on.

At closing, you’ll meet with a notary to review and sign. You’ll need a cashier’s check (not a personal check) for your down payment and closing costs, along with proof of your homeowner’s insurance. For certain loans, like owner-occupied refinances, federal law gives you three days to review before finalizing.

After the paperwork is complete, your loan will close, and the keys, the investment, or the refinance savings will officially be yours.