Home Lending

Whether you are purchasing your first home, upgrading, or refinancing, I will guide you to the right loan with clear terms and a smooth process.

Residential Loan Programs

A full range of mortgage options to match your goals, timeline, and financial profile.

Fixed-rate and adjustable-rate mortgages with competitive terms for qualified buyers.

Government-insured loans with lower down payment requirements, ideal for first-time buyers.

Zero-down financing for eligible veterans, active-duty service members, and surviving spouses.

No down payment required for eligible rural and suburban properties.

Financing above conforming loan limits for high-value California properties.

Rate-and-term or cash-out refinance to lower your payment or access your equity.

Programs that help reduce or eliminate your upfront cash requirement.

Specialized options and education for buyers entering the market for the first time.

Apply online, get pre-qualified, or check your current home equity to see your options.