Frequently Asked Questions

A bank can only offer you their own loan products. As a mortgage broker, I have access to 150+ lending partners — which means I can shop across multiple lenders to find the best rate, terms, and loan program for your specific situation. Think of me as your personal loan shopper.

In most cases, my compensation is paid by the lender — so there's no direct cost to you. When there are borrower-paid fees, I'll disclose everything upfront before you commit to anything. Transparency is a core part of how I do business.

Absolutely not. While a higher credit score can help you get a lower rate, there are loan programs available for credit scores as low as 500. I specialize in finding the right fit regardless of where your score is today — and I can help you improve it over time.

Yes! I offer DSCR loans that qualify based on the property's rental income rather than your personal income. This is ideal for investors building a portfolio. I also handle conventional investment loans, bridge loans, and fix-and-flip financing.

Most loans close in 21-30 days from application. Some can close faster depending on the loan type and how quickly documentation is provided. I keep you updated at every step so there are never any surprises.

Absolutely. I'm personally licensed in California, Florida, and Texas, and my company — United American Mortgage — is licensed in 30 states. If you're in one of those states, I'll guide you through the entire process and connect you with the right loan through our team. Reach out and I'll let you know exactly how we can help in your state.

Nothing! Our first conversation is casual and pressure-free. I'll ask about your goals and situation, then guide you on what documentation we'll need when you're ready to move forward. Typically that includes pay stubs, tax returns, bank statements, and ID.

A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income of the investment property — not your personal income or employment. It's perfect for investors who want to scale their portfolio without the traditional documentation requirements.

Absolutely. VA loans have a streamlined refinance option called the VA IRRRL (Interest Rate Reduction Refinance Loan) that typically requires minimal documentation and no appraisal. I can also help with VA cash-out refinances.

There are more options than most people realize. VA and USDA loans offer 0% down. FHA loans start at 3.5% down. Conventional loans can go as low as 3% down. I'll help you understand which programs you qualify for and find the sweet spot between down payment and monthly payment.