Mortgage options

You do not need to know the loan name before we start.

Tell me what you are trying to accomplish. I will help you compare the payment, cash, timing, and tradeoffs so the loan fits the move you are actually making.

Find my likely path Talk with Dennis

Home purchase

Buying your first home or moving into the next one?

The loan with the smallest down payment is not automatically the best loan. I will help you compare the monthly payment, cash needed, closing costs, seller credits, assistance options, and the timing of your move so the whole plan works together.

First homeMove-up buyerRelocationFHAConventionalFlorida DPA

Choose a payment that fits your life, not just the maximum approval
See the down payment, closing costs, reserves, and possible sale proceeds together
Talk through selling first, buying first, or making a contingent offer before you are under pressure

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VA financing

Using your VA benefit should feel like an advantage, not another maze.

I am a veteran too. I will help you understand your entitlement, Certificate of Eligibility, possible funding fee exemption, full monthly payment, property questions, and offer strategy before you are deep in a contract.

0% down for eligible buyersNo monthly PMIIRRRLRepeat useVA jumbo

Find out whether you have full or remaining entitlement
Catch condo, appraisal, and property-condition questions early
See the payment with taxes, insurance, and HOA included

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Self-employed & investors

Your tax return may not tell the full story of your business.

Being self-employed does not mean you have only one way to qualify. I can compare traditional income, bank statements, 1099 income, assets, DSCR, and other specialty options across multiple wholesale lenders.

Bank statement1099DSCRFix & flipAsset-based

Find out which documents tell your story best before a credit pull
Compare the cost and flexibility, not just whether one lender says yes
Keep the business plan and the property plan in the same conversation

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Refinance & home equity

You have equity. The real question is how much of it you should use.

A HELOC, fixed home-equity loan, cash-out refinance, and traditional refinance can solve different problems. I will help you compare them without casually giving up a good first mortgage or taking on a payment that does not fit the goal.

HELOCHome equity loanCash-out refinanceRate & termVA IRRRL

See when keeping your current first mortgage makes sense
Compare a flexible variable rate with a predictable fixed payment
Know how long it may take to recover the cost before changing the loan

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Your next move

Not sure which option fits? You do not have to decide alone.

Answer a few simple questions and I will help you narrow down the conversation worth having next.

Build my mortgage plan Book a conversation