A REALTOR® who's also your mortgage broker.
Most people buy a house with an agent and finance it with a stranger. I do both, which means value and financing get figured out in the same conversation instead of getting lost between two people who never talk.
Talk through your optionsWhat a broker does that a bank doesn't
A bank can offer you one thing: that bank's mortgage. A broker shops several lenders to find the one that actually fits your situation, then handles the paperwork for you. You're not stuck with a single set of rates and rules.
I'll be straight about this too: sometimes the bank's product really is the right answer, and if that's the case I'll tell you. The point isn't to push a product. It's to find the financing that costs you the least and stresses you the least over the years you'll actually hold it.
Why doing both matters
When the same person reads the home and the financing, things stop falling through the cracks. I can tell you what a home will likely cost you per month before you write an offer, and whether stretching for a particular place is wise or asking for trouble.
Every community page on this site has an affordability calculator built in. Plug in a price and a down payment and you'll get a rough monthly estimate to plan around. It's a starting point for a real conversation, not a promise from a lender.
An estimate is not an approval
Anything you get from me early, a number, a calculator result, a comfortable range, is an estimate to help you plan. A real mortgage approval depends on a lender reviewing your full application, your documents, and a property. I'll never tell you you're approved for something you're not. The honest number now saves you a hard surprise later.
Getting set up
- 1We talk about your situation
Income, down payment, timeline, and what you're trying to do. No documents needed yet, just a real conversation.
- 2I give you a comfortable range
You get an honest estimate of what you can carry without stretching too thin. It's for planning, not a final approval.
- 3We shop lenders, not just one
I compare options across multiple lenders to find the fit, then walk you through the real differences in plain terms.
- 4You get pre-approved properly
When you're ready, I help you put together a real pre-approval so your offers carry weight and you know your true numbers.
- 5We line up financing with the home
Once you're under contract, I keep the financing on track to your conditions deadline so possession day stays calm.
Common questions
Does using you as a broker cost me money?
We'll go over how broker compensation works up front so it's clear before you commit to anything. In many cases the lender pays the broker, but I'll explain exactly how it works in your situation.
Is the calculator on the community pages the same as a pre-approval?
No. The calculator gives you a rough monthly estimate to plan around. A pre-approval involves a lender reviewing your actual finances and documents. Think of the calculator as the first step in a conversation, not the answer.
Can you help with financing if I'm not buying through you?
Yes. The mortgage side stands on its own. If you've already got an agent, or you're refinancing or renewing, I'm happy to look at the financing and give you a straight read on your options.