NMLS#: 338424
Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.
I pride myself on excellent communication and easy accessibility when you need me. My job is to guide you every step of the way and make sure the mortgage lending experience is simple and smooth.
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!
Please check out my 27 educational articles I put together for my clients.
I pride myself on being an educational based loan officer.
I strive to provide excellent communication and easy accessibility when you need me. My job is to guide you every step of the way.
A Step-by-Step Guide to Shopping for a New Home
Whether this is your first or tenth home purchase, shopping for a new home is an exciting time. It can…
With over 20 years of mortgage lending experience and more than $3 billion in loans funded, I have helped homebuyers and homeowners navigate all types of markets. There are always opportunities in every market and my job is to ensure my clients are fully prepared and in the best possible position to take advantage.
I have a small dedicated Loan Team that has worked with me for more than ten years that allows the loan process to move quickly and efficiently. While every member of my team is a seasoned professional, I don’t believe in handing clients off to assistants and moving on. I am involved in every stage of the loan process and always accessible.
Owning a home is one of the most important financial decisions that a person will ever make. As a result, the mortgage process is about for more than simply securing a home loan, it is about ensuring the loan allows the client to achieve their personal objectives and financial needs. My role is learn about each clients personal and financial situation and provide customized solutions that best meet their needs. In addition, as a direct lender and a full service broker, I have access to an extensive range loan programs and products and leverage a wide spectrum of financial institutions to secure the lowest possible interest rates.
When away from the office, I enjoy family time with my wife and three kids. We are an avid outdoor family and spend as much time as possible in the mountains year round. I am also a passionate sports fan, rooting for the Warriors, Giants, 49ers and Ferrari.
I appreciate the opportunity to learn about you and earn your business.
Calculator
Affordability Calculator
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- PMI
Loan Details
- Home Value:
- Mortgage Amount:
- Monthly Conventional Payment:
- Down Payment:
- Monthly Estimated PMI:
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- MIP
Loan Details
- Home Value:
- Base Loan Amount:
- Monthly FHA Payment:
- Down Payment:
- FHA Loan Amount:
- Upfront MIP:
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
Loan Details
- Home Value:
- Base Loan Amount:
- Monthly VA Payment:
- Down Payment:
- VA Loan Amount:
- VA Funding Fee:
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- USDA MIP
Loan Details
- Home Value:
- Base Loan Amount:
- Monthly USDA Payment:
- Down Payment:
- USDA Loan Amount:
- USDA Guarantee Fee:
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- PMI
Loan Details
- Home Value:
- Mortgage Amount:
- Monthly Conventional Payment:
- Down Payment:
- Monthly Estimated PMI:
Payment Breakdown
A breakdown of your total payment so you can see where money is allocated.
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- PMI
- Extra Payment
- Monthly Payment
- Total Payment
- Home Value:
- Mortgage Amount:
- Monthly Principal & Interest:
- Monthly Extra Payment:
- Monthly Property Tax:
- Monthly Home Insurance:
- Monthly PMI:
- Monthly HOA Fees:
- Total # Of Payments:
- Down Payment:
- Principal:
- Total Extra Payment:
- Total Interest Paid:
- Total Tax, Insurance, PMI and Fees:
- Total of all Payments:
Early Payoff Strategy
Add an extra payment and see how many months you can eliminate on the back end of the loan.
Lump Sum Payment
Shorten your loan term by paying a lump sum all to principal.
$
Total Interest Difference$
Monthly Payment Comparison
A breakdown of your total payment so you can see where money is allocated.
$
Time to Recoup FeesTotal Interest Comparison
A breakdown of your total payment so you can see where money is allocated.
Results Summary
| Buying | Renting | |
|---|---|---|
| Cash Spent | $ | $ |
| Home value | -$ | -- |
| Balance on Loan | $ | -- |
| Closing costs on sale | $ | -- |
| Adjusted Net Cash Savings | $ | $ |
Payment Breakdown
A breakdown of your total payment so you can see where money is allocated.
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- Extra Payment
- Monthly Payment
- Total Payment
- Home Value:
- Mortgage Amount:
- Monthly Principal & Interest:
- Monthly Extra Payment:
- Monthly Property Tax:
- Monthly Home Insurance:
- Monthly HOA Fees:
- Total # Of Payments:
- Down Payment:
- Principal:
- Total Extra Payment:
- Total Interest Paid:
- Total Tax, Insurance and Fees:
- Total of all Payments:
Early Payoff Strategy
Add an extra payment and see how many months you can eliminate on the back end of the loan.
Lump Sum Payment
Shorten your loan term by paying a lump sum all to principal.
$
Total Interest Difference$
Monthly Payment Comparison
A breakdown of your total payment so you can see where money is allocated.
$
Time to Recoup FeesTotal Interest Comparison
A breakdown of your total payment so you can see where money is allocated.
$
Cap Rate%
Deal Breakdown
A breakdown of your rental loan deal.
- Loan Amount:
- Down Payment:
- Mortgage Payment:
- Monthly Payment:
- Origination Fee Amount:
Deal Metrics
A metrics of your rental loan deal.
- Total Closing Costs:
- Cash Needed to Close:
- Price Per Unit:
- Gross Rental Income:
- Operating Expenses:
- Net Operating Income:
%
DSCRReturn Metrics
A metrics of your rental loan return.
-
Cash Flow:Annual cash flow after all expenses and mortgage are paid.
-
Cap Rate:Cap rate, or capitalization rate, is a metric that divides your net operating income (not including your mortgage) by the purchase price or property value. It is most useful in comparing multifamily properties.
-
Cash on Cash Return:Cash on cash return is a metric that divides your pre-tax cash flow by the total cash invested in the deal. This is a key metric for most investors.
-
DSCR:DSCR calculates the ratio of rental income to your mortgage payment. Ideally, you'll have a DSCR of 1.0 or higher.
$
Net Profit$
Deal Breakdown
A breakdown of your rental loan deal.
- Loan Amount:
- Down Payment:
- Monthly Interest Payment:
- Total Interest Over Term:
- Origination Fee Amount:
- Other Closing Costs Amount:
- Cost To Sell Amount:
Deal Metrics
A metrics of your rental loan deal.
- Closing Costs:
- Carrying Costs:
- Borrower Equity Needed:
- Total Cash In Deal:
%
Loan to After Repaired Value%
Return Metrics
A metrics of your rental loan return.
- Net Profit:
- Loan to After Repaired Value:
- ROI:
How to Prepare Financially for Buying a Home in the New Year
As the New Year approaches, many people set resolutions to achieve major life goals—and buying a home often tops the…
Who Should You Talk to First: A Mortgage Professional or a Real Estate Agent?
If you’re planning to buy a home, you might wonder who you should talk to first—a mortgage professional or a…
What Is a HELOC and How Does It Work?
A Home Equity Line of Credit (HELOC) is a popular financing option that allows homeowners to tap into their home’s…
What are your goals?
