Matched to the file, not sold off a shelf

Conventional purchase loans

Agency financing for primary homes, second homes, and investment property across California — fixed and adjustable, conforming and high-balance for the state’s more expensive counties.

• Primary, second home, and 1–4 unit investment purchases
• Conforming and high-balance loan amounts
• Fixed-rate and ARM structures, matched to how long you’ll actually hold the property

As a broker I price the same file across multiple wholesale lenders before you commit to any of them.

Refinance — rate/term and cash-out

Two different tools. A rate/term refinance changes the cost or length of the loan; a cash-out converts equity into money you can use. Either one only makes sense when the math works — and I’ll show you the math before anything else.

• Rate/term: lower the rate, shorten the term, or drop mortgage insurance
• Cash-out: improvements, consolidation, investment, family needs
• Primary and investment property

If the break-even doesn’t pencil, I’ll tell you to keep the loan you have. That answer is free.

Reverse mortgages — HECM & jumbo Specialty

This is the center of my practice. The FHA-insured HECM serves homes up to its federal lending limit; jumbo reverse programs serve California homes up to $4 million, with eligibility starting at age 55. No monthly mortgage payment is required while you live in the home — you remain responsible for property taxes, insurance, and upkeep.

• Eliminate an existing mortgage payment, or establish a growing standby line of credit
• HECM for Purchase — right-size into the next home without a new monthly payment
• Jumbo programs built for California’s home values

Enough to say here; the full plain-English explanation lives on its own page.

Hard money & private lending

Sometimes the property and the equity are solid but the timeline, the condition, or the documentation won’t survive a conventional underwrite. Private capital prices on the asset and closes on a calendar a bank can’t match.

• Fast-close purchases and bridge situations
• Equity-driven qualifying when income documentation is the obstacle
• Short-term by design — always paired with a clear exit plan

Hard money costs more than conventional financing. It’s the right tool for specific jobs, and I’ll be direct about whether yours is one of them.

Alt-A & Non-QM programs

Self-employed with a tax return that understates real cash flow. Assets instead of income. Rental property that should qualify on its own rent. The Non-QM market exists for exactly these files, and it has matured into a real, competitive lending space.

• Bank-statement income qualification for the self-employed
• Asset-based and asset-depletion qualifying
• DSCR loans for investors — the property’s rent does the qualifying

These programs price above agency loans. The question is whether the flexibility is worth the spread for your file — that’s a ten-minute conversation.

A scenario that doesn’t fit the labels above?

Trusts, probate, recent credit events, unusual property types — after thirty years, “unusual” is most of what lands on my desk. Call me before you assume the answer is no.