Mortgage
Innovative Mortgage Solutions
Your mortgage isn’t just a loan, it’s a powerful tool that can unlock a brighter financial future. Navigating the complex world of lending can feel overwhelming, so I’m here to simplify the process.
I’m not your typical mortgage advisor. I believe in a personalized, proactive approach that goes beyond simply finding the lowest rate. I leverage cutting-edge technology and innovative strategies to:
- Uncover hidden opportunities: I analyze your unique financial picture to identify customized solutions, such as niche loan programs, creative financing options, and strategies to accelerate your wealth building.
- Proactively manage your mortgage: My ongoing support extends beyond closing. I provide free annual reviews to anticipate market shifts and proactively adjust your mortgage strategy to maximize your benefits and minimize your risks.
- Guide you every step of the way: As your trusted advisor, I will simplify the process with clear explanations, transparent communication, and a commitment to your long-term financial success.
Schedule a free consultation to explore innovative mortgage solutions tailored to your specific goals.
As we develop your real estate and mortgage strategy, we will consider the following:
Your credit score
Which loan types do you qualify for from a credit standpoint?
Your anticipated down payment
Do you need a low- or no-down payment loan? What about down payment assistance? Will you be using gift funds from family or friends?
Your debt and income
After debt payments, is your monthly income sufficient to cover a mortgage?
Your appetite for risk
Do you need a stable monthly payment? Do you expect to earn more money in the future?
Your future plans
Do you plan to move in the short term? Do you want to pay off your mortgage sooner than 30 years?
Your future income
Do you expect your income to change in the long and short term?
These are some of the things we’ll discuss so I can create a customized financial strategy that suits your needs. In addition to reviewing your finances, we’ll also discuss your lifestyle – family, travel, charity, investments – as well as your goals, both short-term and long-term. This will allow us to create the best plan for you together.
Types of Mortgage Loans
Conventional loans
Best for borrowers with good credit scores
Jumbo loans
Best for borrowers with good credit looking to buy a more expensive home
Government-backed loans
Best for borrowers with lower credit scores and minimal cash for a down payment
Fixed-rate mortgages
Best for borrowers who’d prefer a predictable, set monthly payment for the duration of the loan
Adjustable-rate mortgages
Best for borrowers who aren’t planning to stay in the home for an extended period, prefer lower payments in the short term or are comfortable with possibly having to pay more in the future.
Refinance loans
There are 2 main types of refinance loans for your existing loan
Interest-only loans
With an interest-only loan, you make interest-only payments for a set period – usually five or seven years — followed by payments for both principal and interest.
Renovation loans
If you want to upgrade your existing home or purchase a home that needs renovation, you have options.
Non-qualifying loans
Non-qualifying mortgages or non-QM loans don’t meet certain standards set by the Consumer Financial Protection Bureau, so they offer more lenient credit and income requirements.
Construction loans
If you want to build a home, a construction loan might be a good choice.
Invester loans
We work with lenders that offer an extensive array of loan programs specifically for investors.
