1. There's no reason to use all of your savings for a large down payment, when there so many low down payment programs available:

2. As little as 3.5% down with FHA loans for qualifying borrowers.

3. As low as 0% down for eligible VA and USDA borrowers.

4. Just 5% - 10% down for qualifying conventional loans.
    

5. Depending on where you live, there may be local and state down payment assistance options that can help bridge the gap. Lastly, if you have access to Gift-Funds they may be used with appropriate documentation.

1. We offer solutions designed for all eligible credit profiles, which may include:

2. FHA loans for qualifying borrowers with 580+ credit.

3. Non-QM programs that accept credit scores starting as low as 620, depending on the scenario.

4. Personalized strategies to improve your credit scores
    

5. We evaluate your entire financial picture—not just a number—to get you the best loan possible.

We understand how to work within DTI limitations. These limits vary by loan type, allowing us to find a program that best fits your financial situation. Remember that DTI is based on your monthly - not total - debt, so it is important to evaluate your obligations and see if there are ways to reduce your monthly bills. Options could include paying off a credit card, or restructuring another loan. You should target a DTI under 50% (or lower!), including your PITI (Principal, Interest, Tax, & Insurance). I can help you review this and determine your home purchase budget.​

Saving for a higher down payment can be tough, but consider making extra principal payments each month instead. Even small additional payments can significantly speed up the removal of PMI, which happens when your equity reaches 20% or more. Todd can guide you through this process and show how quickly you could reach that goal. You may also qualify for a loan that does not require PMI, such as a Jumbo, VA, or Bank Statement loan.

We offer specialized loan programs, like Bank Statement or other Non-QM loans, that cater to self-employed borrowers. Using your bank statement history, we will determine an income basis for you to use for your loan application.

We structure your financing to maximize your buying power.

Loan limits are adjusted upward to reflect the more expensive housing markets in high-cost areas

Conventional vs. FHA loan options

Jumbo and Non-QM loans are available for loan amounts above conforming limits.

VA loans have no loan limits with full entitlement.

Strategize with higher down payments or hybrid structures such as "Piggyback" loans to stay within limits.
 

We tailor your loan to fit your property goals—no matter how ambitious.

We offer income documentation options that cater to self-employed borrowers or those with non-traditional income streams. This may also include borrowers looking for asset-based loans.

Use bank statements, P&Ls, or 1099s with our Non-QM solutions.

We work with self-employed professionals, freelancers, and gig workers.

We'll provide expert guidance on documentation needs and getting your pre-approved.
 

Todd's experience with complex income types ensures you get credit where it’s due.

Let's face it, no one wins in a divorce. I have been there, and I understand the difficult decisions and emotions involved for all concerned. As a Divorce Mortgage Specialist I will help you navigate the mortgage process. This may include:

• Supporting you by working directly with your attorney.

• Discussing the use of alimony or child support as qualifying income.

• Determining how you may qualify for a loan to remain in your home, or

• Pre-approving you for a new home mortgage
   

I can help you with tailored solutions and customized options to confidently move forward.