Loan Programs & Services
The right loan, for the right move.
From your first home to your forever home — purchase, refinance, or specialty programs — every loan I work on is hand-walked through to closing. Browse the programs below and let’s find the one that fits your goals.
Licensed In
FL · NC · VA
Loan Term
14+
Avg. Closing
21–30 Days
NMLS ID
#2215828
Every borrower deserves a loan that actually fits them.
Some buyers need the lowest down payment. Some need flexibility on credit. Some are self-employed and need a smarter qualification path. The right program depends on your situation — that’s where I come in.
QUICK COMPARISON
Loan programs at a glance
A quick side-by-side to help you narrow down where to start. Full eligibility is determined during pre-approval.
| Program | Min. Down | Min. FICO | PMI | Best For |
|---|---|---|---|---|
| Conventional Purchase | 3% | 620 | If <20% down | Most buyers |
| FHA | 3.5% | 580 | MIP required | First-time / credit building |
| VA | 0% | 580 | None | Veterans & active duty |
| USDA | 0% | 620 | Guarantee fee | Rural / suburban areas |
| Jumbo | 10% | 700 | Varies | High-value homes |
| Bank Statement | 10–20% | 660 | Varies | Self-employed |
| DSCR (Investor) | 20–25% | 660 | N/A | Real estate investors |
How It Works
From application to keys, in five steps.
A clear path with no guesswork. Here’s exactly what to expect when you work with me.