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First-Time Buyer
Most popular
Buying your first home is a big leap. Mike walks you through it step by step,
with low-down-payment options and someone in your corner from day one.
- Low down payment programs
- First-time-buyer assistance options
- Plain-language, no-pressure guidance
Best for: Renters ready to buy and anyone
purchasing their first home.
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VA Loans
For those who served
Veterans and active-duty service members have earned real benefits. Mike makes
sure you get every one of them, with $0-down financing where eligible.
- $0 down for eligible borrowers
- No private mortgage insurance
- Competitive rates and flexible terms
Best for: Veterans, active-duty service
members, and eligible spouses.
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Refinance
Lower your payment
Lower your rate, shorten your term, or tap your equity for cash. Mike runs the
math honestly and only recommends a refinance if it truly works in your favor.
- Rate-and-term refinance
- Cash-out for renovations or debt
- An honest break-even analysis
Best for: Current homeowners looking to
save or use their equity.
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Self-Employed
Non-traditional income
1099, gig work, or business owner? You shouldn't be punished for it. Mike knows
the bank-statement and non-traditional programs that look at the full picture.
- Bank-statement loan options
- Flexible income documentation
- Solutions when a bank says "no"
Best for: Freelancers, contractors, and
small business owners.
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FHA Loans
Flexible credit
A friendly, accessible path to homeownership. FHA loans offer flexible credit
requirements and a low down payment, making that first home feel within reach.
- As little as 3.5% down
- More forgiving credit guidelines
- Great for first-time and repeat buyers
Best for: Buyers with a smaller down
payment or a still-growing credit history.
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Jumbo Loans
Higher-value homes
For homes that exceed conventional limits, Mike sources competitive jumbo
financing with white-glove handling from application all the way to closing.
- Financing above conforming limits
- Competitive jumbo rates and terms
- Personal, detail-driven service
Best for: Buyers of higher-value or
luxury homes.