About Me
Your Dedicated Mortgage Professional
Hey there! I'm a passionate Mortgage Loan Professional who's been in the business long enough to know a thing or two (okay, more like 24 years—but who’s counting?). Helping people achieve their dream of homeownership is what I do best, and I’ve had the privilege of guiding clients through the homebuying process with a focus on what matters most—you.
When it comes to mortgages, trust me—I’ve seen it all. I’ll be there with you every step of the way, offering a steady hand, a friendly smile, and yes, maybe even a little bit of that Southern charm. Think of me as your mortgage sidekick, making sure you get the perfect loan for you—without all the complicated jargon and unnecessary stress.
I believe in keeping things simple, straightforward, and honest—because that’s exactly how it should be. I’m all about delivering exceptional customer service, and I’m never more than a phone call away when you need me. My goal is to make this process not only smooth but also as personal as it gets—tailored to your needs and dreams.
Outside of mortgages, I’m always looking for ways to grow—whether that’s by learning something new or just spreading a little extra positivity and kindness in my day-to-day. At the end of the day, I want you to feel confident and stress-free as we walk through this journey together. So, let’s get those keys in your hand—and who says we can’t have a little fun along the way?
Client Testimonials
Meet Mortgage Assistant GPT
Meet my brand-new Mortgage Assistant GPT -- your 24/7 guide to navigating the mortgage process with confidence. Whether you're just getting started, ready to get pre-approved, or curious about your options...this smart assistant is here to help you.
Your Path To Financial Freedom
Experience personalized mortgage solutions designed for your needs.
Conventional loans offer flexibility and competitive interest rates, making them an ideal choice for many borrowers. They are not insured by the government, which means they often come with stricter credit requirements. With a conventional loan, you can choose between fixed or adjustable rates, allowing you to find a mortgage that fits your financial goals. Whether you’re purchasing a new property or refinancing an existing mortgage, our team is here to guide you through the process, ensuring you understand all your options and find the right loan for your situation.
FHA loans are designed to make homeownership more accessible to a wider range of borrowers. With lower down payment requirements and flexible credit guidelines, they are particularly beneficial for first-time homebuyers or those with less-than-perfect credit. The Federal Housing Administration insures these loans, giving lenders the confidence to offer favorable terms. Our experienced team will assist you in navigating the FHA loan process, ensuring you understand the benefits and requirements, so you can secure the funding needed to achieve your homeownership dreams.
VA loans provide exceptional benefits to veterans, active-duty service members, and eligible surviving spouses. These loans require no down payment and do not require private mortgage insurance, making them a cost-effective option. The U.S. Department of Veterans Affairs backs these loans, which enables lenders to offer competitive interest rates. Our knowledgeable team is dedicated to helping you navigate the VA loan process, ensuring you receive the support and information needed to make the most of this valuable benefit as you pursue your homeownership goals.
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors looking to finance income-producing properties. Unlike traditional loans that focus on the borrower's personal income, DSCR loans assess the property's cash flow to determine eligibility. Lenders typically require a minimum DSCR ratio of 1.2, meaning the property's net operating income must be at least 20% higher than the mortgage payments.
Fix and flip loans are short-term financing options specifically tailored for investors who purchase distressed properties, renovate them, and then sell them for a profit. These loans typically have higher interest rates and shorter repayment terms, often ranging from six months to a few years.
Hard money loans are short-term loans secured by real estate, primarily offered by private lenders. These loans focus on the property's value rather than the borrower's creditworthiness, making them accessible to investors with less-than-perfect credit.
These features may include:
- Low Down Payment Options: Programs often allow buyers to purchase a home with a reduced down payment, sometimes as low as 3% of the home's purchase price.
- Down Payment Assistance: Many programs provide grants or low-interest loans to help cover down payment and closing costs, reducing the upfront financial burden on the buyer.
- Competitive Interest Rates: First-time home buyer programs often offer below-market interest rates to make monthly mortgage payments more affordable.
- Flexible Credit Requirements: Programs may have more lenient credit score requirements, making it easier for buyers with limited credit history to qualify.
- Education and Counseling: Many programs include homebuyer education courses and financial counseling to help buyers understand the home-buying process, manage finances, and prepare for homeownership responsibilities.
- Reduced Private Mortgage Insurance (PMI): Some programs offer lower PMI rates or waive the requirement altogether, which can significantly lower monthly mortgage payments.
- Tax Benefits: Certain programs provide tax credits or deductions that can help reduce the overall cost of buying a home.
- Loan Options for Different Needs: Programs may offer various loan types, including fixed-rate and adjustable-rate mortgages, to suit different financial situations and preferences.
These features are designed to make homeownership more accessible and affordable for first-time buyers, helping them achieve their dream of owning a home.
Commercial loans offer financing options provided to businesses for various purposes, such as expanding operations, purchasing equipment, or funding new projects. These loans are typically offered by banks and financial institutions and can be secured or unsecured, depending on the borrower's creditworthiness and the nature of the loan. Commercial loans often come with flexible terms and competitive interest rates, tailored to meet the specific needs of a business.
Free Resources for Homeownership & Financial Planning
Download free tools and guides to help you navigate the homebuying journey and take control of your finances. From step-by-step buying tips to budgeting forms and debt management plans, everything you need is just a click away!
Site Content
How to Calculate Your Home Buying Budget: Step-by-Step Guide
How to Get Pre-Approved for a Mortgage and Buy Your Dream Home
How to Calculate Your Home Buying Budget: Step-by-Step Guide
Discover the crucial steps to take before embarking on your house hunting journey! In this comprehensive guide, we break down the importance of having a budget, understanding your financial situation, and calculating your Debt-to-Income Ratio (DTI).
Master Your Mortgage Application: Step-by-Step Guide
How to Get Pre-Approved for a Mortgage and Buy Your Dream Home
How to Calculate Your Home Buying Budget: Step-by-Step Guide
Navigating the mortgage application process can be daunting, but we're here to make it simpler! In this video, we break down the crucial steps to help you succeed. Discover the importance of income verification, credit history, and debt-to-income.
How to Get Pre-Approved for a Mortgage and Buy Your Dream Home
How to Get Pre-Approved for a Mortgage and Buy Your Dream Home
How to Get Pre-Approved for a Mortgage and Buy Your Dream Home
Learn the home buying process, from pre-approval to closing. This can help you to understand what to expect at each stage and reduce anxiety about the process.
Exploring Different Mortgage Types
Tips For Improving Your Credit Score
How to Get Pre-Approved for a Mortgage and Buy Your Dream Home
Understanding the various types of mortgages available is essential for making informed decisions that align with your financial goals.
Tips For Improving Your Credit Score
Tips For Improving Your Credit Score
Tips For Improving Your Credit Score
Improving your credit score is a crucial step in preparing for a mortgage application, as a higher score can lead to better loan terms and interest rates.
Mortgage Calculator
Tips For Improving Your Credit Score
Tips For Improving Your Credit Score
Use the mortgage calculator to get an estimate of your monthly mortgage payments.
My Blog
Starting in Real Estate in 2025: A Comprehensive Guide for Investors and Agents
Not Ready to Book? Let’s Chat via Email!
I love my customers, so feel free to visit during normal business hours.
Hours
Mon | 08:30 am – 08:30 pm | |
Tue | 08:30 am – 08:30 pm | |
Wed | 08:30 am – 08:30 pm | |
Thu | 08:30 am – 08:30 pm | |
Fri | 08:30 am – 08:30 pm | |
Sat | 09:00 am – 06:00 pm | |
Sun | Closed |
Have questions on mortgages, loans, or just want to chat about interest rates? I’m here for it! Whether you're buying your first home, refinancing, or investing in real estate, I’ll guide you every step of the way (and make it as painless as possible).
Don't hesitate—reach out today, and let’s make things happen! Text, call, email, or even send a carrier pigeon (though I can't promise they'll make it through HOA rules).
I look forward to helping you unlock the door to your next big adventure!
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