Purchase loans
Conventional 30/15-year fixed, ARM options, second-home programs. The default option for most Southwest Florida buyers, and where I close the majority of my volume.
Loan Options
What I help with. And how I price it.
Conventional, FHA, VA, Jumbo, Bank Statement, HELOC, and Cash-Out. I'll only recommend the structure that works for your actual situation, not the one that's easiest to close. 7-day loan commitment available with appraisal.
Why this list is the whole list
Every product above is built, underwritten, and serviced under one roof.
I'm in-house at CrossCountry Mortgage, a direct seller/servicer to Fannie Mae, Freddie Mac, and Ginnie Mae with 120+ loan products. That changes the answer to four questions that matter on every file.
Speed
No broker middle layer. Underwriting, processing, and closing all live inside CCM, so we resolve a condition in hours, not days.
Certainty
I see the file the same way the underwriter sees it. If something will fail (reserves, DTI, condo warrantability, post-Ian insurance) you'll hear it from me up front, not three days before closing.
Coverage
120+ products under one roof: conventional, FHA, VA, jumbo to $5M+, bank statement, P&L-only, asset-based, HELOC, condo portfolio, non-warrantable. If a structure exists in the market, I likely have it.
Accountability
One name on the file from pre-approval to clear-to-close. Mine. No bait-and-switch handoff to a call-center processor in another time zone. One accountable point of contact.
Closing pace, set by the file
An honest schedule on day one. Then we hold it.
Most files close in 21 to 30 days. Clean, comfortable, no fire drills. When the contract calls for faster, we shift gears: 14-day closes are routine on prepped files, 10-day closes happen when the appraisal, title, and conditions line up, and I've taken a clean file from application to keys in 8 days. Tell me your contract date on the first call. I'll tell you what's realistic. I do what I say I'm going to do. I close early or on time.
First-time homebuyer
3% down conventional, FHA 3.5% down, down payment assistance where it qualifies. I'll walk you through every closing cost line by line so nothing surprises you at the table.
Refinance
Rate-and-term refi, term shortening, ARM-to-fixed. I won't run a refi if the savings don't recoup costs in under 24 months. Straight answer, every time.
HELOC & Cash-out
Pull equity without losing your low first rate. Renovations, debt consolidation, second-property down payments. HELOC closes in as fast as 14 days.
Jumbo loans
Boca Grande, Casey Key, Siesta Key, Burnt Store Marina, Punta Gorda Isles waterfront, plus Highland Beach and Gulf Stream. Up to $5M+. Portfolio jumbos for non-warrantable condos and high-value second homes.
Self-employed
12 or 24-month bank statement programs, P&L-only, asset-based, 1099 programs. For business owners and high earners whose W-2 doesn't tell the full story.
Condo financing
Warrantable, non-warrantable, 55+ communities, high-investor buildings, post-Ian Gulf-coast towers. Tell me the address. I'll pull the building approval and reserve-study status before we go further.
FHA
3.5% down, scores from 580 (sometimes lower with compensating factors). Solid first-time buyer option for the Port Charlotte, North Port, and Cape Coral mid-market.
VA
Zero down, no PMI, competitive rates for service members and veterans. I've closed VA loans across South Florida, including with multiple entitlements.
Not sure which?
Let me figure it out for you.
Every borrower's situation is different. The right product depends on your credit, income structure, the property, and your timeline. I'll tell you which one fits, and why.