From Atlanta, Moved to Colorado in 2007
Jesus follower, Youth and Adult Leader, Elder, Stewardship Team
Delta Operative, The Exodus Road
Hobbies: Snowboarding, Dirt Biking, Health and Fitness, Anything Fun with Family and Friends

LOAN PROGRAMS

MY PERSONAL FAVORITE

THE EQUITY ADVANCER
and
ALL IN ONE LOAN

Everyone may not qualify for either of these programs now, but EVERYONE SHOULD AT LEAST KNOW ABOUT them!

First Mortgage HELOC that offers the following benefits:

The potential for significant interest savings due to interest calculated daily, not monthly.
The potential for a much faster loan payoff by applying deposits to principal first.
Greater financial flexibility with access to your home equity for 30 years.
Smart banking with your mortgage and banking working together FOR you.
Available on primary, second home and investment properties.

I have this loan on my own home so I can confirm it rocks!

TRADITIONAL OPTIONS

Conventional Conforming
Up to the FHFA max loan amount limit by county with as little as 3% down.

VA
Exclusively eligible to military service members, veterans, and their qualified spouses, offering favorable loan terms and often requiring no down payment.

FHA
Designed to make homeownership more accessible to borrowers with lower credit scores and smaller down payments, typically offering more lenient qualification criteria.

USDA
No-down-payment financing options for eligible properties in designated rural areas.

Down Payment Assistance Options
We work with national & local providers on both conventional and government-backed loans.

Buydowns
3-2-1, 2-2, 1-1, and 1-0 available on both conventional and government-backed loans.

SPECIALTY OPTIONS

DSCR
No income, No Employment required. Qualify based on subject property income. Investment properties only.

Bridge Loans
Short-term, interim financing option that helps individuals bridge a financial gap, used to purchase a new property before selling an existing one.

Unique Income Options
Bank Statement Calculation, Asset Qualifier, No Ratio, Lite Doc, 1099, Written VOE, and P&L only.

The Dream Maker
Loan for homes in designated geographic areas with up to $4500 in lender credits available.

Land Loans
Short term financing to secure land to build a home on.

Construction & Renovation
One-Time Close and/or renovations options for Conventional, FHA and VA.

Fix & Flip Financing
Short-term loans for renovating and reselling properties.

Non-Warrantable Condos
For condos not meeting standard mortgage lending guidelines, including condo-tels.

Foreign National & ITIN
For non-US citizens with unique immigration statuses.

Reverse Mortgage
For homeowners typically aged 62 or older that allows them to convert a portion of their home equity into loan proceeds, which they can receive as regular payments or a lump sum.

Underwriting, processing, closing and funding are all done in-house for the majority of our loans. The equates to fast approvals and the ability to close loans fast.
We fund the majority of our purchases the day BEFORE closing.
We manage our appraiser panel in-house and only use AMCs when necessary.
It’s not just about the fact we do most everything in-house, it’s also about the quality of our team. You won’t find a more talented and committed mortgage team anywhere, with decades of experience. They are committed to our company mantra:
Make it Happen. Make it Better. Make it Fun.

EVERYTHING IN-HOUSE

IT’S MORE THAN JUST MORTGAGE

I’ve been in mortgage 25+ years and have worked with thousands of clients. I’ve started businesses and pursued many different investments; some did well, some didn’t. I’ve been involved in the local church for more than 25 years as well, leading students and adults, serving on the stewardship team and in the role of elder for almost 9 years. I started and led a high school ministry called Fuel, focusing primarily on apologetics. I’ve been happily married for 25 years and have raised 2 incredible kids. My son is a sophomore in college and my daughter a sophomore in high school. For the last few years, I have been involved with The Exodus Road in the battle against human trafficking as an undercover Delta Operative.

The interesting thing with all of these life events and scenarios is that they are all basically focused on the same thing…FREEDOM.

Life is complicated and challenging. It can be exciting, and it can be deflating.

My hope is to apply the lessons I’ve learned through the experiences I have had to point people in the direction of freedom. Getting a mortgage is a big deal. It can kickstart a path towards financial freedom, but not all mortgages are the same. Some will get you there “better” or faster than others. You don’t want to make the wrong choice, and that means you absolutely need to work with the right advisor. And it’s not always about the lowest rate or lowest fees; it’s about who is going to put you in the right program, and then who is going to be tracking with you for life…to answer financial questions and keep you up to date on the next best step in your financial journey.

I want that to be that advisor…for you, your family, and your friends. Give me a chance to earn it; you won’t regret it.