top of page
Reviewing Documents_edited.jpg

Loans

Education

Entertainment

Loans

First-Time Home Buyers: Buying your first home is a major milestone, and it's normal to feel both excited and apprehensive. You may have questions about where to start, your budget, or the right mortgage for you. The good news is you don’t have to navigate this alone With the right guidance, you can confidently make decisions that lead you to your ideal home while enjoying the process. There are low-income loan options and down payment assistance programs available to you.

Options for Self-Employed Borrowers: Being self-employed offers career freedom but complicated mortgage qualifications. Fortunately, various loan options cater to your financial situation. Conventional Loans If you have a strong credit score can document income via tax returns, conventional loans might still work. Lenders look for consistent income and a solid credit profile. Bank Statement Loans - If your income is unconventional, a bank statement loan may be ideal. You can qualify based on your bank deposits over the past 12 to 24 months, perfect for freelancers and contractors. Non-QM Loans for those irregular income or significant deductions, Non-QM loans allow qualification through alternative documentation like profit and loss statements. These loans serve those who do not meet conventional criteria. FHA and VA Loans Self-employed individuals can still qualify for FHA and VA loans if they meet standard requirements. These loans often have more lenient credit and down payment guidelines.

Second Mortgages: Stand-Alone Second Mortgages: Conventional vs. Non-QM Options A stand-alone second mortgage allows you to secure a second loan on your home without refinancing your first mortgage. This can help you home equity for renovations, debt consolidation, or investments, with unique benefits and challenges in both the conventional and non-QM markets.

Renovation loans:  These loans can change your experience when buying a fixer-upper or improving your home. Instead of having multiple loans or using your savings, a renovation loan renovation is rolled into your mortgage, resulting in one monthly payment. This allows for modern kitchens, updated bathrooms, or energy-efficient upgrades while potentially increasing your home's value and comfort.

Education

Module 1: New real estate agents who need mortgage fundamentals

Non-QM Loans: Why Non-QM Matters in Today’s Market

Renovation Loans 101: Helping Agents Unlock Hidden Inventory

Entertainment

Looking to elevate your next corporate event with engaging, professional, and unforgettable entertainment? As a seasoned mortgage broker and a dynamic comedian and host, I bring a unique blend of expertise, humor, and charisma to any occasion. Whether you need an emcee to keep your event running smoothly or a headline act that leaves the audience laughing and inspired, I've got you covered!

bottom of page