Mortgage expertise for every situation.
Most lenders push clients toward the simplest conventional product. I handle the scenarios that require real expertise — the ones where experience, creativity, and steady guidance make the difference between a successful close and a deal that falls apart.
Construction Financing
Construction-to-permanent loans, draw schedules, builder coordination, and navigating the gap between building completion and permanent financing. After 35 years, I understand both traditional lending and the unique realities of building.
- Construction-to-permanent loans
- Draw schedule management
- Builder-lender coordination
VA & FHA Loans
Military service members, veterans, and buyers who need flexible qualification paths. Deep knowledge of VA entitlement, funding fees, and FHA appraisal requirements.
- VA purchase and refinance
- FHA with low down payment
- Credit and income flexibility
HELOC & Cash-Out Refinance
Access your home equity for improvements, consolidation, or investment opportunities. Strategic advice on when a HELOC makes sense versus a cash-out refinance.
- Home equity lines of credit
- Cash-out refinancing
- Debt consolidation strategies
Investment Properties
DSCR loans, rental property financing, and occupancy-intent navigation. Understand the rules and the risk before you add a rental or convert a property.
- DSCR loan structuring
- Multi-property portfolios
- Occupancy compliance
Virtual & Remote Closings
UWM virtual close for split households, out-of-state buyers, or anyone who values efficiency. One spouse overseas, the other at Nike HQ. We close cleanly without everyone in the same room.
- Split-location closings
- Digital document signing
- Remote borrower support
Conventional & Jumbo
Standard purchase and refinance, including high-balance and jumbo products for the luxury market. Lake Oswego, West Linn, and throughout the Portland metro.
- Conventional purchase and refinance
- Jumbo and high-balance loans
- Luxury market expertise
How I work with you.
The Conversation
No sales pitch. We talk through your situation, your goals, and the challenges you are facing. I listen more than I talk at this stage.
Strategic Analysis
I review your financial picture, identify the right loan products, and map out the path forward. You get clarity on options before anything moves.
Tight Coordination
I keep your realtor, title company, and all parties aligned. You always know where things stand and what comes next. No black box.
Confident Closing
Clean documentation, no last-minute surprises, and a closing that feels like the natural conclusion to a well-managed process.
Ready to get started?
Every client's situation is different. A conversation is the best way to figure out the right path forward. No pressure, no obligation.