When a client hears “no” from a lender, or a deal needs a fast, solid answer, send them my way. I work alongside the professionals my clients already trust, I keep you informed at every step, and the client relationship stays yours.
Who I work with
RealtorsPre-approvals that hold up, and deals saved when a lender says no
CPAs and tax advisorsSelf-employed clients qualified on what they really earn
Financial and wealth advisorsAsset-based qualifying, jumbo loans and equity without losing a low rate
Business managersComplex income packaged for lenders, with documents through your office
Entertainment and artist managersRoyalties, residuals and tour income read fairly and discreetly
InvestorsDSCR loans, LLC closings and cash-out for the next deal
Developers and buildersConstruction, bridge and exit financing, plus loans for your buyers
Private and short-term lendersYour borrower refinanced out, so you are repaid on time
Business ownersQualify on real income, and a resource for your team
Estate and probate attorneysHeirs keeping a home, buying out siblings, and trust loans
Family law attorneys and mediatorsEquity buyouts, support income and the next home
Refer a clientCall 310-699-4451
What you can count on
- Straight answers early: if a loan won’t work, you hear it from me first, with the reason and what would change it.
- The client stays yours: I don’t market other services to your client or go around you.
- Traditional loans first. Specialty programs only when the client’s situation calls for them.
- A loan officer who works with many lenders, so one lender’s “no” isn’t the end of the deal.
Scenario desk: send me a tricky deal
Not sure a client can qualify? Send me the outline before anyone applies and I’ll tell you whether it can work and which program fits. Leave out names and account numbers; a description is enough.
Clients other lenders turn away
- Self-employed and bank statement borrowers
- Foreign nationals and ITIN borrowers
- Non-warrantable and hard-to-finance condos
- Condotels and short-term rentals
- Buyers after a bankruptcy, foreclosure or credit event
- Investors qualifying on rental income
- Construction, bridge and buy-before-you-sell
- Jumbo loans above the county limit
Tools to share with clients
- Home affordability calculator
- DSCR calculator
- Bank statement income calculator
- Home sale proceeds calculator
- Loan limits by county
- Document checklists
Questions
Will you contact my client before I introduce you?
No. I reach out only after you have introduced us and your client has agreed to hear from me. See also: Realtors.
How will I know where the loan stands?
I update you at each milestone: pre-approval, accepted offer, appraisal, approval, clear to close and funding, and straight away if anything changes, with your client’s permission to share loan details.
Can you refinance a borrower out of my bridge or hard-money loan?
Often, yes, into a DSCR, conventional or other long-term loan. Some lenders want the borrower to have owned the property for a few months before they lend on a new appraised value, so send me the scenario well before the maturity date and I’ll map out the timing.
Can you help a client another lender declined?
Often, yes. I work with many lenders, including non-QM and portfolio lenders, so a “no” from one lender is often a matter of finding the right program. Send me the scenario and I’ll tell you.
Where can you lend?
I’m licensed for home loans in Arizona, California, Florida and Ohio. Business-purpose investment loans, such as DSCR, bridge and fix-and-flip, are available nationwide where permitted.
