Lending

Lending with Clarity, Options, and Someone Fully in Your Corner

  • Buying a home is one of the biggest financial decisions you’ll ever make.
    It’s exciting — and it can also feel overwhelming. Questions, “what-ifs,” and uncertainty are completely normal. You don’t have to figure this out alone.

  • Home Again is both a full-service real estate firm and a licensed mortgage broker.
    That means everything is addressed up front — from loan pre-approval, to offer strategy, to closing escrow — with no hand-offs, no finger-pointing, and no surprises.

  • Unlike banks, I don’t sell one bank’s loan products.
    As a true loan broker, my license allows me to shop the nation’s largest wholesale mortgage lenders to find the best rate, terms, and fee structure for your situation — not theirs.

  • You’re never boxed into one option.
    I represent a wide range of “A-rated” lenders, from low-rate conventional loans to specialized programs banks simply don’t offer.
    I’m not limited — so you’re not either.

Loan Programs Tailored to Real Life (Not Just Perfect Credit)

  • Conventional Loans

  • FHA Loans

  • VA Loans

  • Jumbo & High-Balance Loans

  • Reverse Mortgages (55+)

  • Adjustable-Rate Mortgages (ARM)

  • Conventional & Government Rehab Loans

  • Bank Statement Loans for self-employed borrowers (personal or business statements)

  • Bank Statement HELOCs

  • Closed-End Second Loans — access equity while keeping your low first-mortgage rate

  • Non-Owner-Occupied Loans for investors

  • DSCR Loans — qualify based on property cash flow, not your income or job

  • Non-QM Loans for business owners, lower FICO scores, or recent credit events

  • ITIN & Foreign National Loans

  • Private Money Loans — fix & flip, bridge loans, investor cash-flow and hard-money strategies

One of the Biggest Game-Changers: One-Time-Close Construction Loans

  • OTC (One-Time Close) Construction-to-Permanent Loans
    Available for FHA, USDA, VA, and Conventional programs.

  • How it works:
    You secure or already own the land → we provide construction financing → once the home is built, the loan automatically converts to a 30-year fixed mortgage.

  • Why this matters:

    • As little as 3.5% down

    • One qualification process

    • One escrow

    • One closing

    • Rate floats down to the prevailing market rate at completion

    This is a true game-changer for buyers who want to build instead of compete.

Start Smart — Before You Ever Tour a Home

  • You’ll save time, stress, and disappointment by knowing what payment feels comfortable before you fall in love with a house.

  • That starts with a simple loan application.  Click ‘Apply Now’ below.

  • Once completed, I’ll determine your true pre-approval amount, explain your options clearly, and then — seamlessly — we begin the home search.

That’s when it gets fun.

I’m Glad You Found Me

And yes — hold me accountable.

I take pride in being clear, responsive, and honest — even when the answer isn’t the easiest one. My goal isn’t just to get you a loan or into a home.
It’s to make sure you feel confident, informed, and protected every step of the way.

When you’re ready, let’s talk — and let’s do this the right way.

Apply Now