Mortgage guidance,
made personal.
Wholesale access. Every program. One advocate who actually picks up the phone.
Whether you're buying your first home, scaling a rental portfolio, or finally refinancing the right way — you deserve a lender who explains it, not just processes it.
A program for nearly every story.
As a full wholesale lender, we don't fit you into one box. Whatever your income, your property, or your path to ownership, there's likely a program built for it.
Conventional
Traditional financing for primary residences, second homes, and investment properties with competitive terms.
The Specifics
- Min. credit620+
- Down payment3% down
- Mortgage insuranceRemovable at 20% equity
- Best forStable W-2 income
FHA Loans
Lower down payment options and flexible credit guidelines, ideal for first-time buyers.
The Specifics
- Min. credit580+
- Down payment3.5% down
- Gift fundsAllowed
- Best forFirst-time buyers
VA Loans
Zero-down financing built for those who served — honoring your service with real benefits.
The Specifics
- Min. credit580+
- Down payment0% down
- Mortgage insuranceNone, ever
- Best forVeterans & active duty
DSCR Loans
Qualify on property cash flow, not personal income — built for real estate investors.
The Specifics
- Min. credit640+
- Qualifying factorDSCR ≥ 1.0
- Income docsNone required
- Best forRental investors
Non-QM
Bank statement, asset-based, and alternative documentation loans for unique income situations.
The Specifics
- Min. credit600+
- Income docs12–24 mo. bank statements
- Self-employed2+ years required
- Best forBusiness owners
HELOC
Unlock your home's equity for renovations, debt consolidation, or your next investment.
The Specifics
- Min. credit640+
- Max CLTV85–90%
- Draw period10 years, interest-only
- Best forFlexible access to equity
ITIN Loans
Homeownership made possible without a Social Security number — every story deserves a path.
The Specifics
- SSN requiredNo
- Down paymentVaries by lender
- Income docsFull documentation
- Best forITIN holders
Commercial
Financing for investment and commercial properties to grow your portfolio with confidence.
The Specifics
- Min. DSCR1.20–1.25
- Down payment20–35%
- Entity borrowersLLC, Corp, Trust OK
- Best for5+ unit / mixed-use
Rate & Term / Cash-Out
Lower your rate, shorten your term, or put your equity to work — we'll map the right move.
The Specifics
- Min. credit620+
- Max cash-out LTV80% primary
- Seasoning6 months min.
- Best forLower payment or cash access
You wouldn't take the first offer at a car lot. Don't take it on your mortgage either.
As a wholesale broker, my job is to shop your file across our full lender network — not push you toward whoever pays me the most. That's the entire advantage of working wholesale instead of walking into a single bank.
Compare rates, don't just accept one
Every lender prices differently based on credit, LTV, and loan type. Shopping multiple investors on your behalf is how we find the real best fit — not just the first quote.
Get funded faster, not "eventually"
Slow lenders cost you homes in competitive markets. We move files quickly so you're never the reason a deal falls through.
Know your number before you fall in love
A real pre-approval — not a guess — tells you exactly what you can offer with confidence, before you're emotionally attached to a house.
Your equity should work for you
Whether it's a cash-out refinance or a HELOC, the equity sitting in your home can fund renovations, payoff debt, or your next investment — strategically, not impulsively.
Real clients. Real closings.
"Have nothing but the highest praise. They were the most competitive in beating every other lending offer I brought to them, and made purchasing a house relatively stress free and easy."
"Time and speed matters. They made it easier and quicker without delays. Better rates than the banks, great customer service. Happy homebuyer here!"
"We were having difficulties purchasing a house — 4 offers, all denied by our previous lender. Once we were put in touch with this team, there was no looking back. Closed in just under 3 weeks!"
"Excellent attention to detail, organized, knowledgeable about the VA home loan, and worked to understand our family's needs. Financed the home of our dreams!"
"This refinance was the easiest transition we've ever experienced. Great communication, record-breaking closing, and just overall amazing service."
"I'm self-employed with multiple businesses. My application was processed quickly in spite of the normal complications of self-employment and a jumbo loan."
Run the numbers before you call.
These give you a real starting point — your exact rate and payment depend on your full file, but this is where preparation begins.
This is an estimate. PMI, HOA dues, and final rate depend on your credit profile and program — let's get you an accurate quote.
Get My Real NumbersBased on a 43% debt-to-income ceiling, a common guideline — some programs allow higher. We'll find your real number together.
Start My Pre-ApprovalAdjust the numbers to see if refinancing makes sense for your timeline.
Talk Through My RefiA DSCR of 1.0 or higher means the property covers its own payment — no personal income docs required.
Discuss This PropertyOne application. A full network of lenders behind you.
We're not tied to one rate sheet. As a wholesale lender, we shop your file across dozens of investors to land the program and pricing that actually fits your situation — then walk you through it personally, start to close.
Talk Through My OptionsWalk in knowing exactly what's next.
Preparation removes the stress from financing. Download our buyer's preparation guide to understand your documents, your timeline, and your options before we ever speak — so our call is about strategy, not paperwork.
Download the Prep Guide (PDF)What You'll Need
A simple checklist to gather before we talk — so we can move quickly once you're ready.
- Last 2 years of tax returns (or bank statements for Non-QM)
- Recent pay stubs or proof of income / cash flow
- 2 months of bank statements
- Government-issued ID
- Current mortgage statement (for refinance)
- Purchase contract (for active purchases)
Guided, every step of the way.
Discovery Call
We talk through your goals, timeline, and what financing path makes sense for your story.
Pre-Approval
We shop our wholesale network and get you a clear, accurate pre-approval to move with confidence.
Find & Apply
Whether buying or refinancing, we lock in your program and guide your file through underwriting.
Close & Celebrate
You sign, you close, and you step into the next chapter — we'll be with you the whole way.
Let's find your right program.
No pressure, no jargon — just a real conversation about what's possible for you.
Hi, I'm Maria — here to guide, not just process.
I believe financing should feel personal, not transactional. As your loan officer, I work as your advocate from the very first conversation, translating the fine print and finding the program that genuinely fits your life — whether that's your first home, your next investment, or a refinance that finally makes sense.
Every client gets direct access to me, clear communication, and a process built around honesty over hustle.
Maria · NMLS #2114622
Before you reach out.
It means I'm not limited to one bank's rates or guidelines. I shop your loan across many lenders to find the best program and pricing for your specific situation.
Yes. Non-QM and bank statement programs are built exactly for situations like yours, where traditional income documentation doesn't tell the full story.
Once we have your documents, most pre-approvals are turned around within 24-48 hours so you can move on a home with confidence.
Absolutely — FHA and conventional low-down-payment programs are some of the most common paths I guide first-time buyers through.
Your home story starts here.
Apply directly, or let's talk first — either way, you're in good hands.