Congratulations on taking the first steps to home ownership! I understand that purchasing a home is one of the largest financial decisions you will make in your life. I take the responsibility of being your financial advisor during and after this transaction very seriously.

I have been involved in Real Estate and financing my entire life. At a young age I was helping by father and uncle build a successful commercial construction business in South Los Angeles. After graduation from Northern Arizona University I began a full time career in Real Estate and finance.  Over the past 10 years I have been; a loan officer, ran my own mortgage broker branch, bought/sold and managed my real estate portfolio in 2 states and 2 countries. I follow the trends of real estate and money markets every day.

With the team of experts I have built over the years, I am able to provide a service that is unparalleled! I surround myself with the industry leaders in; banking, underwriting, Realtors, title, escrow, and credit repair. Knowledge is power in this ever changing market! In my 10 years in Real Estate finance I have designed a streamline process for you below.

To proceed please start the five steps below immediately. Don’t procrastinate!

  1. Fill out the online application ( or Click Here to Download PDF
  2. Collect the Documentation Check List ( Collect ALL Needed documentation. The more I know about your financial situation the better the loan program I can offer you.
  3. Once your application is complete and ALL documentation is back, you will get a preapproval within 24 hours.
  4. With your preapproval you will receive multiple loan scenarios to choose from and a GFE ( showing amount of your down payment and estimate of fees involved.
  5. Congratulations, with these documents you can begin shopping for a home with a Realtor!

Once you have the preapproval DO NOT:

Run your credit, make large purchases, run up credit card debt, or transfer funds between bank accounts. These can all potentially change your loan preapproval!

Begin these above 5 steps now. Together we will make this loan process as smooth and efficient as possible. The greatest satisfaction in my line of work is the knowledge that I have helped many families move into the home of their dreams. I always strive to help relieve some of the stress that comes with making these difficult fiscal decisions.