Home/For borrowers

For people financing real estate

Residential and commercial. First-time buyers, investors, self-employed, foreign nationals, jumbo, condo, commercial — if it’s real estate finance, there’s a good chance I’ve closed one before.

Who I serve

  • South Florida buyers — first home, primary residence, second home.
  • Real estate investors — long-term holds, short-term rentals, BRRRR.
  • Self-employed professionals using bank statement or alt-doc programs.
  • Foreign nationals purchasing US property.
  • Commercial real estate owners — owner-occupied and investment.
  • Anyone who’s been told “no” by a bank and wants a second opinion.

Loan programs I work with

  • Conventional purchase & refinance
  • FHA / VA / USDA
  • Jumbo & super-jumbo
  • Bank statement / alt-doc
  • DSCR (investor cash-flow)
  • Foreign national
  • Condo (incl. non-warrantable)
  • Commercial real estate

How the process works

  1. Conversation. We talk through what you’re trying to do. No pressure. I learn enough to give you a real read on your options.
  2. Shopping. I take your scenario across the lender network. You get back a short list with the actual trade-offs — rate, fees, structure, timeline.
  3. File & lock. We pick the right program, lock terms, and assemble the documentation needed to close cleanly.
  4. Close. 21 to 45 days typical. I stay involved through the final HUD.

Why a broker beats a single bank

A bank’s loan officer can only offer that bank’s products. If your scenario doesn’t fit their box, you get a polite “no” and start over somewhere else.

As a broker with 50+ wholesale lender partners, I get to be on your side of the table. When one lender’s box doesn’t fit, the next one usually does. That’s most of the value — not getting stuck.

FAQ

What kinds of loans do you work with?

Residential conventional, FHA, VA, USDA, jumbo, bank statement, DSCR, foreign national, condo (warrantable and non-warrantable), and commercial real estate including owner-occupied, investment, and small-balance commercial.

Why work with a broker instead of going to a single bank?

Banks can only offer their own products. As a licensed mortgage broker (NMLS #305965), I shop dozens of wholesale lenders to find the best fit for each borrower's situation. This usually means better rates, more program options, and a faster path when the first lender says no.

Do you only serve South Florida?

I'm based in Oakland Park, FL and most of my closings happen across Broward, Miami-Dade, and Palm Beach. I'm licensed Florida statewide and regularly help clients across the state — from Tampa Bay to Jacksonville.

What does the process look like?

Four steps in plain terms: (1) we have a conversation about what you're trying to accomplish, (2) I shop your scenario across the lender network and bring you the best options, (3) we lock in terms and assemble your file, (4) we close. Typical timeline is 21 to 45 days depending on program and property.

What's the cost of working with a broker?

On most residential loans the broker compensation is included in the loan structure — there's no separate out-of-pocket fee on top of what a single bank would charge. Commercial scenarios are negotiated case by case. I'll always walk through the full cost stack before we move forward.

Ready to start?

Applications run through Home Financial Group. You can start one now, or get in touch first and we’ll walk through your scenario before you fill out anything.

Start an applicationTalk first