No jargon. No mystery. Just a clear roadmap, honest advice, and a guide who walks with you at every step — whether you’re buying your first home, moving up, or refinancing.
Every situation is unique. Here’s the typical flow so you always know what’s next.
Here’s the big-picture journey we’ll walk together. We’ll adapt the details to your situation, but the goal never changes: clarity, confidence, and a smooth closing.
We’ll talk through your goals, timeline, and comfort zone for monthly payment and cash-to-close. I’ll also help you decide whether now is the right time — or if it’s smarter to wait and prepare.
You’ll complete a secure online application and upload key documents (income, assets, ID). My job is to make this feel manageable and explain why each item matters.
Once I’ve reviewed your file, I’ll present tailored options — not a firehose of numbers. We’ll walk through payments, cash-to-close, and pros/cons for each path so you can choose with confidence.
We’ll issue a strong pre-approval and, if you’re buying, I’ll coordinate with your real estate agent so your financing strategy supports your offer strategy.
As we move through processing and underwriting, I’ll keep you updated, help you respond to any conditions, and make sure you understand your final numbers before you sign.
After closing, I’m still your point of contact for questions, future moves, and strategy check-ins as life and the market evolve.
Don’t worry if you’re not sure how to gather everything — I’ll send a simple checklist and help you prioritize.
My promises are simple: communicate clearly, protect your time, and tell you the truth — even when it’s not the easy answer.
Whether you’re 30 days out or just starting to dream, we can map out a simple plan together. No pressure, no scripts — just honest guidance.
Timelines vary, but many purchases close in about 3–4 weeks once you’re under contract. The sooner we start planning, the smoother that window feels.
Not at all. Many people come to me with questions about credit, self-employment, or limited savings. Getting clarity early is often the best first step.
Yes. If the timing isn’t right today, we’ll build a preparation plan together so you know exactly what to work on and when to check back in.