Seven steps from first call to keys.

Phone or Zoom. We cover your goals (buying, refinancing or investing), your budget, the loan options that fit, and what to expect from here to closing.

I complete the entire application up front: income, employment and asset verification, a credit review and a debt-to-income analysis. That's what makes your pre-approval strong when you write an offer.

With your pre-approval in hand, you shop with confidence alongside your agent. Once an offer is accepted, we move to the next stage.

An appraisal confirms the home's value. The underwriter reviews your financials, credit and the appraisal, and may ask for a few final documents. I'll help you gather anything they need.

You'll receive your Closing Disclosure at least 3 days before closing, with your final loan terms, closing costs and monthly payment. Review it and ask me anything.

Sign your final documents with the title company, bring any remaining funds by wire or cashier's check, and get your keys.

After closing, I'm still your resource for refinancing, your next home, investment opportunities or any mortgage question.