No matter which stage of the home-buying cycle you are in, it's critical to know how much home you can buy so that your budget and lifestyle can easily accommodate your payments. I will help take the guesswork out of home searching by quickly giving you a general idea of how much you can afford. When you contact me we can then get to work on pre-approval.

Key Elements

• Payment and Cost Estimate
• Affordability Estimate

In the pre-approval step, I will analyze your financial situation and credit history so that I can give you a written commitment to fund your mortgage. You can present this commitment letter to your Realtor® or a home seller, which gives them the confidence that you have the resources to buy their home.

We know what you're thinking: this means paperwork. We will ask you for additional information and documents eventually. After we send your loan application to our automated underwriting system and get approval, we simply provide you with a list of what we will need in order to finalize the financing of your home.

Key Elements

• Complete debt-to-income analysis (affordability analysis)
• Credit analysis
• Loan program analysis (I will tailor a loan package just right for you.)
• Payment and cost estimate
• Legal disclosure (Good Faith Estimate/Truth-in-Lending)

Whether you're buying your first home or moving up to a bigger one, the basic steps in the purchase process are the same. My Purchase Service guides you through this process, ensuring that you are well-prepared and receiving great advice every step of the way.

To help you avoid the mistakes often made by uninformed buyers, I will lock in your mortgage rate and loan package, work with the underwriters to obtain final loan approval and preparing for your closing. With my assistance, you'll be packing boxes before you know it.

Key Elements

• Pre-approval letter
• Home selection guidance (from mortgage standpoint)
• Assistance with Purchase Agreement (from mortgage standpoint)
• Mortgage interest rate/loan program selection (I tailor a loan package just right for you)
• Mortgage processing/verification
• Underwriting
• Pre-closing
• Closing

Note: If you wish to do some property improvements (i.e., landscaping, finishing the basement, adding furnishings or window treatments) to your existing home, or you need to finance a major purchase (i.e., 2nd home, boat, car, your child's education), you will want to contact me about our Home Equity Services.

We are all inundated with home refinancing ads these days, whether from telemarketers, TV commercials or mass emailings. It's hard to see past the hype and find out the advantages of each refinancing program you're offered-and none of us has the time to sift through all of that information. Unfortunately, this leads many people to stick with their current financing, when they could be reaping the rewards of lower payments, extra cash or a shorter mortgage term. With my Refinance Service I will do all of this analysis work for you. My knowledge and experience allows me to quickly match a refinancing plan to your needs and to ensure that you get the best terms available. Perhaps most importantly, I can help you answer everyone's initial question: is refinancing worth it for me?

Key Elements

• Loan program analysis (I will custom tailor a loan program that works for you)
• Cost vs. No-Cost Refinance (What is the break-even point?)
• Term analysis (Should you consider going from a 30-year to a 15-year mortgage?)
• Cash-out analysis (Should you borrow more money than you currently owe?)
• Accelerated payment analysis
• Principal reduction analysis

Building a new home can seem like a daunting task that involves hundreds of decisions along the way. My New Construction Service will make sure that financing your construction is the least of your worries. I’m experienced with self-build and custom-build new construction and will start you off on the path to your completion date with the perfect financing plan in place. Just as each new home is unique, each customer's financing needs are unique, and I have the expertise and resources to help in any situation.

Key Elements

• Multiple construction finance options
• Construction loan (finance the construction phase)
• Permanent loan (permanent financing upon completion of all construction)
• One-time close (one loan for both the construction phase and permanent financing-potentially significant savings)
• Extended mortgage interest rate lock-in (90 days to 180 days)
• Loan program analysis (I tailor a loan package just right for you)
• Payment and cost estimate
• Legal disclosure (Good Faith Estimate/Truth-in-Lending)

Many of my customers have asked me about assisting them with all of their real estate investment opportunities-not just their personal real estate holdings. My Investor Service will do just that. This service provides a one-stop shop that serves a wide range of investment needs. Whether you're an individual making a real estate investment for the first time, or an institutional investor with a large real estate portfolio. My extensive experience and knowledge of all aspects of financial services can help you make the decisions that will make your real estate investments a steady source of income now or a holding you'll use to generate future profits.

Key Elements

• Residential Investor
• Duplex with rental income
• Land acquisition (lot and land)
• 2nd home or vacation home
• 1 to 4 family property
• Real Estate Life Cycle Management
• Commercial Investor
• Multi-housing (5+ residents)
• Mixed-use (apartment plus retail or office space)