That's up to you! Our conversation will tell you what you can currently qualify for, then you can decide if you're ready to buy now or if waiting makes more sense for you.

Every mortgage is unique, but my advice is to not worry about this until you're in contract. Sometimes, focusing on this one detail that you feel like you can control makes you lose the goal of finding your home. So - Once you're in escrow, we can look at what paying points does to your monthly payment, and discuss the break-even-point so you can choose what you're comfortable with.

I have options from 0% down and up. The real question is 'how much are you comfortable spending?'We'll look at what you have, and what your monthly mortgage payment would be so you can choose. My goal is never to empty your savings though... Vet bills, kids, vacations, and home maintenance can add up quickly.

Yes! Traditional mortgages want you to have 2 years of filed tax returns showing your self-employment, but there are other situations if you have less than the 2 years we can explore too. If this is a field you were in before becoming self-employed, that works! But if this is newer for you, I have non-traditional loan options that we can use to get you in a home now.

Sometimes yes, and sometimes no. Refinancing isn't only about lowering your interest rate. Depending on your goals, it can help reduce monthly payments, eliminate mortgage insurance, shorten your loan term, or give you access to your own equity. We'll evaluate whether it truly benefits you before moving forward.

The amount you qualify for and the amount you're comfortable spending aren't always the same. We'll look beyond the numbers to find a monthly payment that fits comfortably within your lifestyle and long-term goals.

Banks can only offer their own loan products. As a mortgage broker, I have access to multiple wholesale lenders, allowing me to compare options and find financing that's tailored to your specific needs.

That's completely ok! Some of my favorite client relationships started months, or even years, before they purchased a home. Whether you're six weeks away or simply exploring the idea, I'm happy to answer questions and help you prepare when the time is right.