Questions? I've got answers.

If you have stable income, manageable debt, and some savings, you may be closer than you think. Our first conversation will give you a clear picture of where you stand and what steps to take next.

Book a free consultation with me. We'll talk about your goals, your finances, and your timeline. I'll give you an honest assessment and a clear path forward.

It depends on the loan type. VA and USDA loans offer 0% down. FHA loans start at 3.5%. Conventional loans go as low as 3%. There are also state and local assistance programs. I'll help you figure out the minimum — and the ideal — for your situation.

There are programs for scores as low as 500, though better scores mean better rates. If your score needs work, I can help you figure out a plan to improve it.

For our first conversation? Nothing. When you're ready to move forward, I'll give you a clear checklist — typically pay stubs, tax returns, bank statements, and ID.

Each program has different eligibility requirements, down payment minimums, and benefits. The short version: VA is for veterans (0% down, no PMI). FHA has lower credit requirements. Conventional is flexible with good credit. USDA is for eligible rural areas (0% down). I'll help you figure out which one fits.

PMI (Private Mortgage Insurance) is required on most conventional loans with less than 20% down. VA loans don't have PMI. FHA loans have their own version (MIP). There are strategies to avoid or minimize it — I'll walk you through your options.

Free. Zero. Our first conversation is completely no-obligation. I'll answer your questions and help you figure out your next step.

In most cases, my compensation comes from the lender — so there's no direct cost to you. When there are borrower-paid fees, I disclose everything upfront before you commit to anything.

A bank offers you their products. I shop across multiple lenders to find the best rate, terms, and program for your situation. More options, better fit.

I'm licensed in Washington, Oregon, and California. Most of my clients are in Clark County WA, Vancouver WA, Camas WA, and the Portland metro area — but I work with clients across all three states.

Most loans close within 21-30 days of application. I'll give you a realistic timeline for your situation and keep you updated at every step.

Generally, you're eligible if you served 90+ days during wartime, 181+ days during peacetime, or 6+ years in the Guard/Reserves. Surviving spouses may also qualify. I can check your eligibility in our first call.

Yes. No down payment required for eligible veterans with full entitlement. It's one of the most valuable homebuying benefits available.

Absolutely. Your VA benefit can be reused, and in some cases you can have two VA loans at the same time.