We Can Help You Get a Mortgage Loan
Cash-Out, Refinance, or Buy a Home with Confidence. Steven helps you understand your options, get pre-approved fast, and secure favorable terms.
Pre-Approval Advantage
Know exactly what you can afford and strengthen your negotiating position.
0.25% Closing Cost Credit
Reduce your upfront costs on your purchase.
Multiple Loan Programs
Conventional, FHA, VA, Jumbo, DSCR, and more.
Pre-Qualification vs Pre-Approval
Talk to Steven about pre-qualifying to get a clear picture of your home buying options based on your income, credit obligations, and down payment goals. Once you submit documents, pull your credit report, and complete a full application, you’ll be pre-approved — giving you strong buying power.
We've Got You Covered
- First-time Homebuyer? Conventional loans with as little as 3% down (620+ credit).
- Credit Flexibility? FHA loans with 3.5% down for lower scores.
- Veterans? VA loans with 0% down.
- Luxury / Investment? Jumbo, DSCR, and Bank Statement loans available.
- Buy Before You Sell? Bridge loans available with no payments until your current home sells.
Affordable Homeownership Programs
HomeReady / Home Possible
If your income is below 80% of your area's median income (AMI), you may qualify for these programs with as little as 3% down, reduced mortgage insurance, and additional benefits.
Down Payment Assistance Programs
Various local and state programs are available to help with your down payment. Click here to view current programs.
AMI-based Refinance Options
Targeting income ≤ 100% AMI (or 120% in high-cost areas) may unlock lower interest rates and other advantages for eligible borrowers.
Program eligibility is subject to specific guidelines including income limits, primary residence requirements, and credit criteria. Contact Steven for current program details and to see if you qualify.
Don’t forget: Mortgage points and tax benefits (deductible mortgage interest and property taxes) can help lower your costs. Consult with a tax professional for your situation.