How it Works

step 1

Free Consultation

Every great journey starts with a conversation. We sit down — in person or virtually — and talk through your goals, your timeline, your questions, and your concerns. There is no pressure and no commitment. Just an honest, focused conversation about what homeownership looks like for you.

step 2

Pre-Approval

Before you fall in love with a house, let's make sure you know exactly what you can afford. I'll gather your financial information, run the numbers, and get you a pre-approval letter. This is your power move — it tells sellers you're serious and ready.

step 3

Home Shopping

Now the fun part. You shop with confidence, knowing your budget is locked in. I stay available throughout this stage to answer any financing questions that come up as you tour homes, make comparisons, and narrow down your list.

step 4

Offer & Contract

You found the one. Now we move quickly. Once your offer is accepted, I make sure everything on the financing side is moving forward precisely and on schedule. No delays. No surprises.

step 5

Underwriting

This is the behind-the-scenes stage where the lender formally reviews your application and the property. I handle the details, manage the timeline, and keep you updated every step of the way so you never feel left in the dark.

step 6

Closing & Keys

The moment you've worked toward. You'll sign your final paperwork, the funds are transferred, and then — the keys are yours. Welcome home. It's an honor to be part of this moment.

Loan Types I Work with

FHA
Conventional
VA
USDA
Jumbo
& More

Frequently Asked Questions

The typical timeline from pre-approval to closing is 30-45 days, though this can vary based on the loan type, the property, and the market. I'll give you a realistic timeline at the start so you always know what to expect.
It depends on the loan type. Conventional loans typically require a 620 or higher. FHA loans can go as low as 580 with the right down payment. We'll talk through your specific situation in our consultation.
This varies by loan type. FHA loans start at 3.5% down. Some conventional loans go as low as 3%. VA and USDA loans can be 0% down for qualifying buyers. Don't let the down payment myth hold you back — let's talk about your options.
Getting pre-approved does involve a credit inquiry, which can have a small, temporary effect on your score. However, multiple mortgage inquiries within a short window (typically 14-45 days) are usually counted as a single inquiry by the credit bureaus.