Loan Process

Purchase a home or to Refinance:

Applying for a mortgage loan is merely a process to collect appropriate information regarding your income and credit history, however, it is the most essential step towards owing or refinancing a home. Don't hesitate in applying f…

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What kind of loan program is best for you?

Should you get a fixed-rate or adjustable-rate mortgage? A conventional or a government? Foreign National? Non-Qm? Investment? Deciding which mortgage product is best for you will depend largely on your unique circumstanc…

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Use this calculator to estimate your monthly mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan to calculate your payment breakdown, schedule, and more.


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1031 Exchange

1031 Exchange -

A 1031 exchange is a real estate investing tool that allows investors to swap out an investment property for another and defer capital gains or losses or capital gains tax that you otherwise would have to pay at the time of sale.

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DSCR - Debt Service Coverage Ratio

DSCR or Debt-Service Coverage Ratio loans enable real estate investors to qualify based on rental income generated rather than personal income. These loans are ideal for self-employed investors, investors with multiple mortgaged …

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What is an ITIN mortgage loan?

ITIN (individual tax identification number) holders are not United States citizens, but they can obtain mortgage loans in this country, so lenders that offer these mortgages typically either keep them in portfolios or sell them into …

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Foreign National

What is a foreign national?

Foreign nationals are not United States citizens, they will not qualify for Fannie, Freddie, and FHA mortgages, so lenders that offer them mortgages typically either keep them in the portfolio or sell them into the secondary market.


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Got a BK? NO PROBLEM! 1 Day Out of Chapter 13


  • Up to 80% LTV
  • Owner occupied only
  • 620 minimum credit score
  • Full Doc, 12-24 months bank statements, 1099 or P&L Only
  • 24 months chapter 7 & 11 bankruptcy
  • 24 months on foreclosure, deed-in-lieu and short s…
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I represent clients who authorize me to do so. I do not work for or represent the interest of any mortgage lender or other duly authorized entity to whom I may submit a mortgage application on behalf of a Client. My services are provided in a Mortgage Broker capacity and I am not authorized to approve or deny a mortgage loan request. NMLS 1691763 / NMLS 1322774