Owning your own home starts here...
Let me help you fire your landlord - For Good!!
I'm a Senior Mortgage Loan Officer and I specialize in finding a way to YES!
I love helping real people fire their landlords and begin building generational wealth through purchasing their first home.
I specialize in
- VA Home Loans
- First Time Home Buyer Loans
- Income Based Loans
- FHA Loans
- Down Payment Assistance Loans
Meet your Loan Officer...
Prior to becoming a lender I spent 15 years in Law Enforcement.
Most of my assignments were in special operations - including Vice Narcotics, SWAT, and the US Marshals Task Force.
I left in 2020, but brought the skills of communication, problem solving under stress, and trusting in the fundamentals into this industry - which I still believe are the basics of success.
I'm an East Carolina University graduate - Go Pirates!
Fitness is an important part of my daily routine with the gym and Brazilian Jiu Jitsu.
I enjoy traveling and a good adventure. I even gave Tiger Shark diving with Shark Week's Andy Casagrande a try.
I love a good bourbon - Blantons and Jefferson Ocean are my favorite.
I am a faith centered person, and I enjoy reading productivity books.
My goal is to earn your trust every day!
Key Mortgage Terminology
Credit Report
Debt to Income
Credit Report
Your credit score is a numerical value that gives a lender a rating of how likely you are to pay back a debt. Each loan has a different minimum credit score - but the higher the better.
Loan to Value
Debt to Income
Credit Report
Loan to Value is the percentage of your home's value that you are financing. If your down payment is 5% of the value, your loan is 95% of the value.
Debt to Income
Debt to Income
Debt to Income
DTI is a ratio used to ensure you are not over leveraged and can reasonably make the monthly payment. It's based off total monthly debts divided by gross monthly income. Each loan has a different maximum ratio - staying inside of it is key.
Escrow Account
Escrow Account
Debt to Income
Your escrow account is an account for you - held by your mortgage servicer. It contains funds for the renewal and payment of your yearly homeowner's insurance and property taxes.
Appraisal
Escrow Account
Appraisal
Appraisers are independent contractors, chosen at random, who provide an impartial assessment of how much the home is worth. They also determine if the home meets minimum property standards per each loan.
What others say about working with me...
