You Do Not Have to Pay Your Bank's Rate!

If you are looking to purchase a new or existing home, or refinance your mortgage, I can help.
Knowledge is Power, and I know an educated borrower that understands the process of home buying and refinancing is a much happier borrower.

Whether you are looking for a Conventional Loan, FHA or VA Loan, Jumbo Loan, ARM, or Interest-only Loan, as a mortgage banker I can provide a safe and stable home loan for you and your family. Below you will find some of our purchase and refinance loan options. Don’t hesitate to give me a call to discuss your options today!
Purchase home loan options:


  • 95% Conventional Financing with Credit Scores above 620
  • 96.5% Financing for First Time Home Buyers
  • 96.5% financing with no limit on credit collections
  • 96.5% financing if you are in consumer credit counseling
  • 96.5% financing 3 years after Foreclosure on FHA loans.
  • 100% financing on VA loans
  • 96.5% financing if you are in a Chapter 13 Bankruptcy for the past year and paying on time with a minimum credit score of 620.
  • 96.5% financing on FHA loans with credit scores as low as 620.
  • 95% Conventional Financing with Credit Scores as low as 620
  • Interest Only Payment Options for up to 15 years
  • Home Purchase Loans up to $10,000,000
  • Restrictions apply
  • Many more options available



Refinance home loan options:

  • 97% refinance with collections on your credit.
  • 97% refinance with no PMI
  • 80% refinancing on Jumbo loans.
  • Refinance from a subprime loan to FHA
  • 100% refinance on VA loans
  • Refinance from an ARM to a low fixed rate.
  • Refinance up to 97% of home value with open Chapter 13 bankruptcy.
  • Refinance up to 97% of home value even if you are in Consumer Credit Counseling.
  • Refinance up to 95% of home value on conventional loans with credit scores above 620.
  • Refinance is possible with open tax liens, judgments, and past foreclosure on credit.
  • Refinance on FHA loans with credit scores as low as 620 on FHA or VA loans.
  • Refinance to catch up past due house payments or to roll taxes and insurance into your payment.
  • Refinance to similar rates as someone with perfect credit even with collections.
  • More Options available