I have been in the Real Estate Industry for the last 5 years. My focus is my customer, they are the most important part of my business. I pride myself with the open communication, and follow through I provide.

I can also close your loan FAST, my processors, underwriters and funders are all local in my office, which enables me to close very fast!

I specialize in a variety of mortgage products and residential financing options. As a prospective and highly valued applicant I believe you should be fully informed of your residential financing options. I encourage you to investigate the multiple choices available and to inquire with me as to the loan program options that are most suitable to your specific needs. The following briefly highlights the programs I currently offer:
California Housing Finance Agency ("CalHFA")
o Available in California only
o 1st Time homebuyer restrictions apply
o Down payment assistance available from CHDAP
o Conventional & FHA financing available
o Income & Household Size restrictions apply

United States Department of Agriculture ("USDA")
o Property eligibility determined according to County eligibility
o Availability of Funds determined by USDA
o Income & Household Size restrictions apply
o Financing with no minimum down payment is available for qualified property and borrowers

Federal Housing Administration ("FHA")
o Lower down payment requirement than for most standard conventional financing
o Streamline Refinance available for refinance of existing FHA financing
o Up Front Mortgage Insurance Premium required on most loans

Veterans Administration ("VA")
o Available to qualified active and retired military personnel
o Interest Rate Reduction Refinance Loans (IRRRL) available for refinance of existing VA financing
o Financing with no down payment requirement is available for qualified veterans

Conventional Conforming ("Agency")
o Both Fixed Rate and Adjustable Rate loans available
o Mortgage Insurance may be required for certain loan-to value ratios

Jumbo/ Nonconforming
o Conventional financing greater than $417,000 up to $2,000,000
o County designated loan limits may apply
o Debt-to-Income ratio limitations
o Reserve requirements

Agency High-Balance
o Conventional financing greater than $417,000 up to specific limit for each county
o Additional reserve requirements apply for certain property types