Loan Options
Conventional
Competitive fixed and adjustable options for primary, second, and investment homes.
FHA & VA
Low-down-payment and earned veteran benefits, handled start to finish.
Jumbo
Financing above conforming limits with white-glove underwriting.
Refinance
Lower your rate, shorten your term, or tap equity with confidence.
“Ava made the whole thing feel effortless. She was always a step ahead.”
“I’ve bought three homes and never had service like this. Calm and precise.”
“She treated my loan like it was the only one that mattered.”
Simple, from hello to keys
A quick, no-pressure conversation about your goals, your timeline, and any questions on your mind.
We review your numbers and hand you a clear budget — plus a pre-approval that makes your offer stronger.
We match you to the right loan and handle the details, keeping you informed at every step.
We guide you through to the keys in your hand — on time, and with no surprises.
For Real Estate Agents
Great agents deserve a lending partner who makes them look good. I close on time, communicate constantly, and treat your clients like my own — so more of your deals reach the finish line.
Let’s partner up- ✓On-time closings your clients can count on
- ✓Proactive updates — you’re never left guessing
- ✓Co-branded marketing and open-house support
- ✓A true partner, not just another vendor
Current Mortgage Rates
Week of July 2, 2026 · National averages, updated weekly. Source: Freddie Mac PMMS via FRED. Not a rate quote — your rate depends on your profile.
Frequently asked
How much do I need for a down payment?
Often less than people expect. Many buyers put down far less than 20%, and some programs allow very little down. The right answer depends on your goals — let’s map it to your situation.
What credit score do I need?
There’s more flexibility than you might think, with programs for a range of credit profiles. If you’re unsure where you stand, a quick, no-obligation review will tell you.
Should I get pre-approved before I start looking?
Yes. A pre-approval shows you a realistic budget and tells sellers you’re serious — often the difference between an accepted offer and a missed home.
How long does the whole process take?
Most purchases move from application to closing in a matter of weeks. Being prepared — documents ready, questions answered early — is what keeps it smooth.
Can you help if I’m self-employed?
Absolutely. There are loan options built for self-employed borrowers and non-traditional income. Let’s talk through what fits you.
What does it cost to work with you?
An initial consultation is always free, and I’ll be upfront about everything involved before you commit to anything.