My Mortgage Services
“If you haven't found it yet, keep looking. Don't settle.” — Steve Jobs
Full-Service Mortgage Origination
Residential Mortgage Types
I've been a licensed mortgage broker since 1985, working with a range of mortgage wholesalers to find the best loan product for your specific needs. I originate Conventional, FHA, VA, USDA, HELOCs, and 2nd mortgages for all property types, including single-family homes, condos, villas, manufactured homes, 2–4 unit properties, and accessory dwelling units—whether owner-occupied, second homes, or investment properties.
In addition to loan origination, I specialize in down payment assistance programs, guidance on student loan repayment options, and credit support (not credit repair).
My #1 Specialty
Down Payment Assistance
More and more prospective homebuyers find themselves short on funds needed to purchase a home. The variety of DPA funds available can help clients whether they are first time homebuyers or not, for all property types and with payments most often deferred making affordability possible.
I also have proprietary DPA programs available through wholesalers that provide enhanced criteria.
Special Programs Available
First Time Home Buyer
There are specific FTHB conventional mortgage products with both Fannie Mae and Freddie Mac that only require a 3% down payment and can offer a lower rate and/or lower PMI with a good credit score.
The Freddie Mac Borrow Smart is a grant that can even be used to lower the rate for qualified Affordable mortgage clients.
Check Your Buying Power
Leverage Your Home Equity
Refinancing & HELOC
Borrowers refinance for two primary reasons:
- Lower the interest rate and monthly payment
- Cash out equity for home improvements or other needs
Sometimes refinancing saves significant money, but sometimes a HELOC or 2nd mortgage is the better option. I'll help you determine which path makes the most financial sense for your situation.
Contact PamInvestment & Owner-Occupied
Multi-Family Mortgages
2–4 unit multi-family residential mortgages are available for duplexes, triplexes, and fourplexes. Owner-occupants can live in one unit and rent the others, using rental income to help qualify for the mortgage.
Multi-family properties are eligible for conventional, FHA, and down payment assistance programs, making them an excellent path to homeownership and investment income.
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Backed by Fannie Mae & Freddie Mac
Conventional Loans
Conventional loans are backed by Fannie Mae and Freddie Mac and offer flexible terms from 10 to 30 years. First-time homebuyers with good credit can qualify with as little as 3% down.
- Terms from 10 to 30 years
- 3% down for first-time homebuyers with good credit
- Competitive rates and flexible options
Honoring Those Who Served
VA Loans
VA loans are available for veterans who served 90 days wartime, 181 days peacetime, or 6 years in the reserves. VA loans offer some of the best terms available in mortgage lending.
- No money down
- Only a financed VA Funding Fee
- 620 credit benchmark
- Easy DTI ratios
- Seller can pay all closing costs
- Shorter wait time for bankruptcy/foreclosure
Government-Backed Options
FHA & USDA Loans
FHA loans are insured by the Federal Housing Administration and are a popular choice for buyers with lower credit scores or smaller down payments. With as little as 3.5% down and flexible qualifying criteria, FHA loans help make homeownership accessible.
USDA loans offer zero-down financing for eligible rural and suburban properties. If you're purchasing in a qualifying area, USDA loans can be an excellent way to buy a home with no down payment required.
Contact Pam3.5%
FHA Minimum Down
$0
USDA Down Payment
What Sets Me Apart
Getting You Mortgage Ready!
When you borrow money to buy your home, you apply for a residential mortgage. For some, this is an easy process. But for others, you may have roadblocks that need to be handled first. So, what do you do if you've been told "fix your issue and come back" and you have no idea how to "fix it"? I can help.
Specialty #1
Help With Credit
Dealing with multiple credit issues is the primary issue that faces pre-purchase clients. Fixing credit issues requires attention to detail, interacting with creditors, and advocating for your rights. You also need someone in your corner that knows the system.
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Specialty #2
Student Loan Repayment Plans
Student loan debt payment has restarted but with a new wrinkle... servicers don't report delinquency until you are 90 days late, causing credit scores to drop 100 to 180 points! This can stop you from getting a mortgage for 9 to 15 months. Whether you are facing an affordability issue or the negative fallout, please connect with me now. There are ways we may be able to increase your scores sooner and even solutions for default.
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Specialty #3
Budgeting For A Home
Determining your budget is a balancing act: What do you want? What do you need? What can you afford? What can you sacrifice? That's why all HUD HCA's have home budgeting help built into the organization education.
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