What I Offer
Loan Products & Programs
From first-time buyers to seasoned investors, I have a loan program designed for your unique situation.
FHA Loans
Government-backed loans with low down payment requirements — ideal for first-time buyers or those with less-than-perfect credit.
- Down payments as low as 3.5%
- Flexible credit requirements
- Competitive interest rates
VA Loans
Exclusive benefits for eligible veterans, active-duty service members, and surviving spouses — including zero down payment.
- No down payment required
- No private mortgage insurance
- Competitive rates
Conventional Loans
Traditional mortgage financing with flexible terms for buyers with solid credit and stable income.
- Fixed & adjustable rates
- Down payments from 3%
- No upfront mortgage insurance
USDA Loans
Zero-down financing for eligible rural and suburban homebuyers through the U.S. Department of Agriculture.
- 100% financing available
- Low mortgage insurance
- Flexible income limits
Non-QM Loans
Alternative documentation loans for self-employed borrowers, investors, and those with unique income situations.
- Bank statement programs
- Asset depletion options
- Flexible qualification
DSCR Loans
Debt Service Coverage Ratio loans for real estate investors — qualify based on rental income, not personal income.
- No personal income verification
- Short-term rental eligible
- Multiple property types
MSHDA DPA
Michigan State Housing Development Authority Down Payment Assistance — helping Michigan buyers get into homes sooner.
- Up to $10,000 DPA
- Michigan residents only
- Paired with FHA or conventional
Commercial Loans
Financing solutions for commercial real estate, mixed-use properties, and business real estate needs.
- Office, retail & industrial
- Mixed-use properties
- Flexible structures
Home Equity Line of Credit
Tap into your home's equity for renovations, debt consolidation, or major expenses with a flexible credit line.
- Revolving credit line
- Interest-only payment options
- Competitive rates
Refinance
Lower your rate, reduce your term, or access equity with a streamlined refinance tailored to your goals.
- Rate & term refinance
- Cash-out refinance
- Streamline options
Not sure which program is right for you?