Where I Help People Buy Homes
I'm based in Long Beach, California, but my reach goes a lot further than that. I'm personally licensed in California, Florida, and Texas, and through United American Mortgage, we serve buyers across 31 states. Buying your first condo in Long Beach? Investing in rental property in Orlando? Relocating to Austin? I bring the same thing to every deal: access to 150+ lenders, a thorough pre-approval process, and a plan built around your situation, not a one-size-fits-all script.
States Where I'm Personally Licensed
These are the states where I hold my own individual mortgage license. When you work with me in these markets, you're getting direct access to my experience, my lender relationships, and the full MortgageMayo process from first call to closing day.
California Primary Market
Home base. This is where I grew up, bought my own home, and built my business.
California is where I do the majority of my business, and it's the market I know best. I grew up in Long Beach. I bought my first home here. I understand the neighborhoods, the competition, and the programs that actually work in a state where the median home price makes most people's eyes water. From FHA and VA loans in more affordable pockets of LA County to jumbo financing for coastal properties, I've structured deals across the full spectrum. And if you're a first-time buyer wondering about Dream For All, CalHFA, or down payment assistance, those are conversations I have every single week.
City Pages
More California cities coming soon
Florida
Growing fast, and so is buyer demand.
Florida's market moves differently than California, but the fundamentals are the same: buyers need options, and most lenders only show them one path. I work with buyers across Florida, from first-time homebuyers taking advantage of lower price points and strong FHA programs to investors building rental portfolios with DSCR loans. If you're buying in Florida, I can help you compare options across 150+ lenders and find a deal that actually fits.
Texas
Big state, big opportunity, and room to breathe on price.
Texas offers some of the best value in the country for homebuyers, especially those relocating from higher-cost states. I help buyers across Texas with conventional, FHA, VA, and investor financing. First-time buyer in the DFW suburbs? Veteran using your VA benefit in San Antonio? Investor eyeing cash-flowing rental properties in Houston? Let's look at what's available.
More States Through United American Mortgage
Through United American Mortgage (NMLS #1942), we're licensed in 31 states. While I personally handle California, Florida, and Texas, UAM has team members across the country, so if you're buying outside my three states, I can point you in the right direction and make sure you're working with someone on our team.
Don't See Your State?
Our licensing is always expanding. Reach out and I'll let you know if we can help, and if we can't, I'll tell you that straight up. No runaround.
Get StartedWhy Your Mortgage Broker's Location Knowledge Matters
You might think a mortgage is a mortgage. Same math, same paperwork, regardless of where the property is. And at a basic level, that's true. But the programs, limits, and strategies change dramatically depending on the state and county you're buying in.
In California, the 2026 FHA loan limit in Los Angeles County is $1,249,125. In parts of Texas, it's closer to $500,000. That single number changes what "affordable" looks like and which programs make sense. Down payment assistance programs are different in every state. Property tax structures, insurance requirements, closing cost norms, all of it varies.
That's why working with someone who understands your specific market matters. I'm not a call center. I'm a broker who researches the local programs, knows the county loan limits, and builds your loan strategy around where you're actually buying, not a national average.
Same Process, Every State
No matter where you're buying, the process looks the same on my end:
We talk.
A quick call or consultation to understand your situation: income, savings, goals, timeline.
I run the numbers.
Full pre-approval with a real document review, not a surface-level pre-qual. When I hand you a pre-approval letter, that loan is going to close.
We find the right program.
With 150+ lenders, I'm comparing options across guidelines, rates, and costs, not just sending your file to whichever lender is easiest for me.
We close.
Clear communication throughout, no surprises, and a plan for what comes after closing too.
Frequently Asked Questions
Are you licensed in my state?
I'm personally licensed in California, Florida, and Texas. Through United American Mortgage, we're licensed in 31 states total, including Alabama, Arizona, Arkansas, Colorado, Connecticut, Georgia, Idaho, Illinois, Iowa, Kentucky, Maryland, Michigan, Minnesota, Montana, Nevada, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington, Wisconsin, and Wyoming. Reach out and I'll let you know right away whether I can help directly or connect you with someone on our team.
Do I have to be local to work with you?
Not at all. Most of my clients outside of Long Beach work with me virtually: phone, video, email, text. The process works the same whether you're across town or across the country. The only thing that changes is the local programs and loan limits I'm pulling for your specific area.
What's the difference between working with you directly vs. another UAM loan officer?
When you work with me in California, Florida, or Texas, I'm your point of contact from start to finish, from pre-approval through closing. If you're in a state where I'm not personally licensed, I'll connect you with a UAM team member who is, and I'll make sure you're taken care of.
Why do you have city-specific pages?
Because mortgage lending isn't one-size-fits-all. The loan programs, down payment assistance options, county loan limits, and market conditions are different in every city. My city pages break down what's actually available where you're buying, not generic national advice.
Do you work with investors in all your states?
Yes. DSCR loans (which let investors qualify based on rental income rather than personal income) are available in all the states I serve. If you're building a rental portfolio, let's talk about what's possible.
How do I get started?
Book a free consultation. It takes about 15 minutes, and you'll walk away knowing what you qualify for and what programs are available in your area. No pressure, no obligation.
Ready to get started?
Take the 2-minute quiz and I'll personally review your options. No pressure, no obligation.
Get Started. It's Free