Mortgage Loan Options

I’m a mortgage consultant. It’s my pleasure to help you choose the best mortgage options and rates available for your situation. Whether you’re a new home buyer or someone looking to invest in real estate, together we will determine the best route forward for you. 

Traditional Loans

Commercial Loans

Other Loans

Multi-Family Investments

First Time Home Buyers

Ready to make an investment in your future? Buying your first home can be exciting and stressful, but I’ll make sure the whole process goes smoothly. I’ll find you the best rates based on what you can afford, making sure you save time and money. Home loans include fixed-rate, adjustable-rate, government-backed, and more.

Starting or Operating a Business

Whether you’re just starting a business, or you want to borrow money to help expand your current enterprise, I will find the right business loan for your situation. Business loans include line-of-credit loans, installment loans, secured and unsecured loans, and more.

Investing In Real Estate

Investing in an asset like real estate is one of the best things you can do for your portfolio. Real estate appreciates in value, brings in steady cash flow from rental income, and has a number of tax advantages. Loan options include conventional, HELOC, hard money, FHA, and VA. I’ll help you find what’s right for you!

Refinancing

When you want to lower the amount of money you pay every month on your loan, make sure to contact me. I’ll help you secure a new loan at a lower rate, cutting your monthly payments and saving you money. The most common options available are rate-and-term refinancing and cash-out refinancing (home equity loan or HELOC).

Low-to-Moderate Income Borrowers

Don’t think you can afford a home? You may be surprised. Several loans are available that don’t require a high income, large downpayment, or perfect credit score. Some of these include FHA loans, USDA loans, VA loans, and HomeReady loans, to name a few.

Veterans

If you’re a veteran in the United States, you qualify for a mortgage loan that is partially guaranteed by the VA. Because of this, it’s less risky for private lenders, which lowers your interest rate on a loan. Additionally, there is no downpayment and no mortgage insurance required.

What People are Saying

Steve helped us get a loan in record time under 2 weeks, which is remarkable due to our situation being self-employed. Additionally, when the appraisal came in short, he was able to get us a mortgage at even lower cost than what was originally presented. Thank you very much for a smooth transaction and for thinking outside the box on more than a few occasions, we truly appreciate it.” -P F.

Steve is an amazing loan officer. He helped my family and me to buy a house with 0 down payment. He guided me through the whole process of buying a house until the escrow was closed. He was working weekends and late night in order for me to get a better APR and better deal. I would highly recommend Steve when you’re looking to buy a house or any other property.thank you Steve. Really appreciate your help.” -Denis G.

I’m a Realtor that has had the pleasure of working with Steve on several transactions now.  He is my go to guy when I need to recommend a great lender to my buyers, family and friends.  He is fast and efficient, and great at problem solving.  All of my transactions with him have been extremely smooth and closed on time if not early.  I highly recommend him for any and all financing needs!” -Christina H.