Your home loan should work for you — not the other way around.

Affordability is more than just your monthly payment — it involves your debt-to-income ratio, credit profile, down payment, reserves, and even how long you plan to stay in the home. I will run a personalized analysis during our first conversation so you know exactly what price range to shop in before you start looking.

Typically, I ask for recent pay stubs, W-2s from the past two years, tax returns (if self-employed), bank statements, and information about any assets or debts. If you are unsure about anything, just bring it — I will tell you whether it is needed.

A typical purchase loan takes about 30 to 45 days from pre-approval to closing, depending on the property, the appraisal timeline, and how quickly documents come in. Refinances can sometimes close in as little as 21 days. I keep you updated at every stage so there are no surprises.

You don't have to — but most of my clients choose to. Being local means I understand the Shore market, I can meet in person when needed, and I am invested in the community. Plus, Guaranteed Rate is a national lender, so you get big-lender rates with a local point person who actually answers the phone.

There are loan programs designed for a wide range of credit situations — FHA, conventional 97, and even non-QM options for self-employed borrowers or those with recent credit events. I review your full picture and present the options that actually fit, without pretending something works when it doesn't.