Loan programs
Every case is individual. I match the program to your income, state, goal, and timeline. Specific rates and terms — on the consultation, because they shift week to week.
Home purchase
From 3% down
Conventional, FHA, VA, USDA. First Time Home Buyer programs with minimum down payment.
Refinance
No pressure
Rate-and-term, cash-out, streamline. Lower your payment or pull equity out of the home.
Investment property
No W2
DSCR loans, hard money. The bank looks at the property's income, not your personal W2.
Foreign National / ITIN
Most common case
For immigrants without SSN or with a short credit history. Bank Statement Loan, ITIN programs.
Commercial real estate
For experienced investors
Multifamily 5+ units, mixed-use, small business. Bridge Loan for purchase and renovation.
Not sure which program fits your case?
“Tell me your situation — income, state, goal, timeline — and I’ll honestly say which programs actually fit and where to start. No pressure.”
Dmitriy Poltavtsev
Licensed Mortgage Broker · NMLS