Who I help

Every situation has a starting point.

Most people come to me thinking their situation is too complicated. Usually it just needs the right program and a clear plan. These are the situations I help with most.

Start here

What brings you here?

More situations

Other files I help with.

Every one of these can be financed. The path just depends on the details.

Growing families

I start with your finances and your goal, then build a plan: a home now, or a clear path to owning later.

Retirees and fixed income

Age and income come first. A reverse mortgage may fit, or a cosigner or a closer look at the income you already have.

Recently divorced

Buying on your own, with settlement and support income reviewed the way lenders count it.

After bankruptcy or foreclosure

Once the waiting period passes and credit is re-established, programs like FHA can open up again.

ITIN and foreign nationals

Programs for buyers without a Social Security number, usually with a larger down payment.

Non-permanent residents

Buyers in the U.S. on a work visa or other lawful status may qualify for certain programs.

Jumbo and high net worth

Loans above the conforming limit, common at Los Angeles prices, including asset-based options.

Physicians and professionals

Some programs can consider a new employment contract or treat student loan payments differently.

Gig and freelance income

Rideshare, delivery and freelance income, reviewed much like self-employment income.

Something else?

If your situation is not on this list, tell me about it. There is usually a path.

How it starts

Three questions, then a plan.

01

What is the goal?

Buying, refinancing, investing or using your equity, and when you want it to happen.

02

How do you earn?

A paycheck, your own business, 1099 work, rental income or retirement income each point to different programs.

03

Options or a plan

If you are ready, you get options side by side. If not yet, you get the specific steps that get you there.

Next step

Not sure where you fit?

A one-minute quote request is enough for me to tell you which path fits. Nothing here affects your credit.

Get my free quote Call Jaime