Proud to be a team member of the largest Mortgage Brokerage in the US, NEXA Mortgage, which has its corporate office in Chandler, AZ. I'm a former residential and commercial Mortgage Underwriter with over 16 years experience working for a variety of lenders and credit unions over the course of my career. In 2020 I made the transition to Mortgage Loan Originator in order to use my in depth knowledge and training in a new way in order to help more people and truly enjoy my job and making dreams come true.
I specialize in Conventional, Jumbo, and Commercial Mortgage loan products with expertise in the area of purchasing or refinancing of horse properties, whether business or residential. As a former Jumbo and Conventional Underwriter, I have extensive training and master knowledge in evaluating the Self Employed Borrower, especially those with complicated tax structures and unique situations.
In addition to all the standard loan programs, I have niche programs specifically customized for those Self Employed Borrower who takes advantage of tax write-offs and therefore doesn't fit in the standard income qualification box used by most traditional lenders.
I specialize in Conventional, Jumbo, and Commercial Mortgage loan products with expertise in the area of purchasing or refinancing of horse properties, whether business or residential. As a former Jumbo and Conventional Underwriter, I have extensive training and master knowledge in evaluating the Self Employed Borrower, especially those with complicated tax structures and unique situations.
In addition to all the standard loan programs, I have niche programs specifically customized for those Self Employed Borrower who takes advantage of tax write-offs and therefore doesn't fit in the standard income qualification box used by most traditional lenders.
Services
Need financing options on a home, or other real estate?
Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn't have to be stressful!
We're here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with a pre-approval letter request.
We'll help you clearly see differences between loan programs, allowing you to choose the right one for you, whether you're a first-time homebuyer or a repeat buyer.
Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn't have to be stressful!
We're here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with a pre-approval letter request.
We'll help you clearly see differences between loan programs, allowing you to choose the right one for you, whether you're a first-time homebuyer or a repeat buyer.
NEXA Mortgage offers programs and pricing you and your clients will love.
With processing, underwritting, and local appraisers that truly know our market.
In addition, we have Aggessive Loan programs that you'd be hard pressed to find anywhere else at very aggressive rates.
Financing for qualified borrowers who have had a financial hardship such as a short sale or BK.
Rather than using cash for a down payment apply it towards a lower interest rate and shorter loan term.
Closed-end 2nd mortgages and lines of credit available as stand alone products or in combination with a 1st mortgage and a combined CLTV of up to 95%.
With processing, underwritting, and local appraisers that truly know our market.
In addition, we have Aggessive Loan programs that you'd be hard pressed to find anywhere else at very aggressive rates.
Financing for qualified borrowers who have had a financial hardship such as a short sale or BK.
Rather than using cash for a down payment apply it towards a lower interest rate and shorter loan term.
Closed-end 2nd mortgages and lines of credit available as stand alone products or in combination with a 1st mortgage and a combined CLTV of up to 95%.
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA).
Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.
We're here to make the FHA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our FHA Loan Qualifier.
Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.
We're here to make the FHA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our FHA Loan Qualifier.
Conventional loans are any mortgage that is not guaranteed or insured by the federal government.
Although a conventional loan is not insured or guaranteed by the government, it still follows the guidelines of government sponsored enterprises, Fannie Mae and Freddie Mac.
Conventional loans may be "conforming" and "non-conforming".
Conforming loans follow the guidelines set by Fannie Mae and Freddie Mac.
These guidelines put the maximum purchase amount for a first mortgage at $417,000 (may be higher, subject to county loan limits) for a single-family dwelling.
Although a conventional loan is not insured or guaranteed by the government, it still follows the guidelines of government sponsored enterprises, Fannie Mae and Freddie Mac.
Conventional loans may be "conforming" and "non-conforming".
Conforming loans follow the guidelines set by Fannie Mae and Freddie Mac.
These guidelines put the maximum purchase amount for a first mortgage at $417,000 (may be higher, subject to county loan limits) for a single-family dwelling.
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA).
The loan may be issued by qualified lenders.
The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
We're here to make the VA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our VA Loan Qualifier.
We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a repeat buyer.
The loan may be issued by qualified lenders.
The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
We're here to make the VA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our VA Loan Qualifier.
We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a repeat buyer.
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