Conventional purchase and refinance. Reverse mortgages — my specialty. Hard money when the file doesn’t fit a box. If it can be brokered in California, I’ve probably closed one like it.
As a broker I shop wholesale lenders rather than selling one bank’s shelf. Here’s what I arrange, and who each one is actually for.
A bank’s loan officer can only sell that bank’s products. A broker shops multiple wholesale lenders and matches the file to the program — not the other way around.
You talk to me at the first call, during underwriting, and at the closing table. Nothing gets lost in a hand-off, because there isn’t one.
Trusts, probate, self-employment, low documented income and high equity — I’ve closed the hard ones. Experience is knowing which problems are real and which just need the right lender.
Reverse mortgages are my specialty — FHA-insured HECM and jumbo programs on California homes up to $4 million. Honest math, no pressure, and California’s consumer protections explained in plain English.
How reverse mortgages workI handle the counseling, disclosures, and California’s 7-day clock. You stay purely advisory. No referral compensation changes hands — ever — and when it’s wrong for your client, I’ll say so in writing.
How I work with professionalsA fifteen-minute call usually settles whether a loan makes sense — and if it doesn’t, I’ll tell you that too. That policy has kept clients coming back for thirty years.
(818) 674-7284Send a couple of sentences about your situation and I’ll reply personally — usually the same business day.
Contact Ken