Your Mortgage Expert
As a trusted mortgage expert, I help clients across Los Angeles, Ventura, Orange, and surrounding California counties navigate the home financing process with confidence. Whether you’re a first-time buyer, a seasoned investor, or looking to refinance, I bring extensive knowledge, personalized solutions, and access to multiple lenders to find the loan that fits your unique goals. No matter where you’re buying in California, I’m here to guide you every step of the way.
Mortgage Services
Whether you’re buying your first home, upgrading, investing, or refinancing, I offer a full range of mortgage solutions designed to meet you where you are financially. From conventional, FHA, and VA loans to specialty programs for self-employed borrowers, investors, and high-net-worth clients, I take a personalized approach to finding the right loan—not a one-size-fits-all solution. With access to multiple lenders and flexible programs, my goal is to make the process clear, strategic, and stress-free from application to closing.
Let’s find the loan that fits your goals today.
First Time Homebuyers
Buying your first home doesn’t have to be overwhelming. First-time homebuyer loan programs offer low down payment options, flexible qualification guidelines, and access to down payment assistance to help make homeownership possible sooner than you think.
Ready to take the first step? Let’s talk about your options and create a game plan that fits your goals.
Conventional Loans
Conventional loans offer competitive interest rates and flexible terms for borrowers with strong credit. These loans typically require lower mortgage insurance costs and are ideal for primary residences, second homes, and investment properties.
FHA Loans
FHA loans are designed to make homeownership more accessible, offering low down payment options and flexible credit guidelines. They’re a great choice for first-time homebuyers or borrowers who may not qualify for conventional financing.
VA Loans
VA loans offer eligible veterans, active-duty service members, and surviving spouses the opportunity to buy a home with no down payment and no monthly mortgage insurance. With competitive interest rates and flexible guidelines, VA loans make homeownership more affordable for those who have served.
Specialty & Non-Traditional Programs
Self Employed / 1099 Loans
Designed for business owners, freelancers, and independent contractors, these loans allow qualification using personal or business bank statements instead of tax returns. This makes it easier to qualify even if write-offs reduce your taxable income.
Non-QM Loans
Non-Qualified Mortgage (Non-QM) loans provide alternative options for borrowers who fall outside standard lending rules. They offer flexible income documentation, credit considerations, and property types—perfect for unique financial situations.
Investor Loans
Investor loan programs are tailored for rental and investment properties. Options like DSCR loans allow qualification based on a property’s cash flow rather than personal income, making it easier to grow or scale a real estate portfolio.
Construction Loans/
Fix and Flip
Construction and fix-and-flip loans provide flexible financing to build a new home, complete major renovations, or upgrade an investment property. These loans offer funding throughout the project, helping you manage costs from start to finish. I’ll guide you every step of the way to ensure a smooth, confident experience.
Home Equity Solutions
HELOCs
A HELOC allows you to access your home’s equity as a revolving line of credit, giving you flexible funds for renovations, debt consolidation, or major expenses—only pay interest on what you use.
Refinance
Refinancing can help you lower your interest rate, reduce your monthly payment, or change your loan term. Streamline refinances offer a faster, simplified process, while cash-out refinances allow you to tap into your home’s equity for financial goals or investments.
Guiding You Home, Every Step of the Way
I believe in building relationships, not just closing loans. Every client is unique, and I take the time to truly understand your financial situation, your short- and long-term goals, and your vision for the future. Whether you’re buying your first home, refinancing your current mortgage, or tapping into your home equity, I provide personalized guidance and customised solutions designed specifically for your needs.
My approach is hands-on and transparent—I walk you through every step of the mortgage process so you know exactly what to expect. From explaining different loan options and helping you compare rates, to assisting with down payment programs, closing cost strategies, and pre-approval guidance, I’m here to make sure you have all the information you need to make confident decisions.
Clients can expect clear answers, timely updates, and constant support throughout the entire process. My goal is to make the experience smooth, stress-free, and even enjoyable, so you feel empowered and informed every step of the way. Building trust and long-term relationships is at the heart of what I do, and I’m committed to helping you achieve your homeownership and financial goals—not just today, but for years to come.