Frequently Asked Questions

A bank can only offer their own loan products. As a mortgage broker, I work with multiple lenders to find the best rate, terms, and loan program for your specific situation. Think of me as your personal loan shopper.

Not at all. There are loan programs available for credit scores as low as 500. I specialize in finding the right fit regardless of where your score is today, and I can help you build a plan to improve it over time.

Most loans close in 21 to 30 days from application. I keep you updated at every step so there are never any surprises.

Yes. I offer DSCR loans that qualify based on the property's rental income rather than your personal income. I also handle conventional investment loans, bank statement loans, and 1099 programs.

Nothing. Our first conversation is casual and pressure free. I'll ask about your goals and situation, then guide you on what documentation we'll need when you're ready to move forward.

I'm licensed in Nevada and work with clients throughout the state. Most of my clients are in the Las Vegas and Henderson areas.

I don't lead with how much you qualify for. I lead with payment comfort. I ask what you want your monthly payment to be before we ever talk numbers. That one shift changes everything.

It depends on the loan. VA loans can be 0% down for eligible veterans, FHA is as low as 3.5%, and conventional loans can start at 3 to 5%. Putting 20% down lets you avoid mortgage insurance, but it isn't required to buy.

Many programs start around 580, and some specialty programs go as low as 500. A higher score gets you better rates, but I work with buyers across the entire credit spectrum.

Pre-qualification is a quick estimate based on information you share. Pre-approval is a stronger commitment based on verified documents. It tells sellers you're a serious, ready buyer.

If you're comfortable with the rate and want certainty, locking protects you from increases while your loan is processed. I'll walk you through the trade-offs so you can decide with confidence.

Our consultation is always free. As a broker, my compensation is built into the loan and disclosed upfront. There are no surprise fees for talking with me about your options.

Absolutely. I specialize in non-QM programs like bank statement, 1099, and P&L loans that qualify you based on real cash flow instead of just your tax returns.