Experienced mortgage guidance designed around your goals — Conventional, FHA, VA, USDA, DSCR, Non-QM, Reverse Mortgage, and investor solutions, with a loan officer who actually picks up the phone.
I deliver fast, transparent mortgage closings with clear communication and a solutions-focused approach. I blend modern technology with personalized support, helping borrowers navigate each step confidently while keeping timelines tight and every detail handled with precision.
Whether you're buying your first home, investing in real estate, or refinancing, we have the right program for you.
Traditional financing with competitive rates and flexible terms for most homebuyers.
Learn moreShow lessDown payments as low as 3–5% for qualified buyers. Available for primary residences, second homes, and investment properties. Private mortgage insurance (PMI) may apply below 20% down and can typically be removed once you build enough equity.
Talk to Adam about this option →Low down payment options with flexible credit guidelines, backed by the Federal Housing Administration.
Learn moreShow lessDown payments as low as 3.5%. More flexible credit requirements than many conventional programs, which makes FHA a popular choice for first-time buyers. Includes an upfront and annual mortgage insurance premium (MIP). Available for primary residences.
Talk to Adam about this option →Zero-down financing for eligible veterans, active-duty service members, and military families.
Learn moreShow lessNo down payment required for eligible borrowers, and no private mortgage insurance. Requires a Certificate of Eligibility (COE). A funding fee applies in most cases and may be waived for certain service-connected disabilities. Available for primary residences.
Talk to Adam about this option →No-down-payment financing for eligible homes in qualifying rural and suburban areas.
Learn moreShow lessZero down payment for eligible borrowers. The property must be located in a USDA-eligible area, and household income limits apply based on location and family size. Includes an upfront and annual guarantee fee. Available for primary residences.
Talk to Adam about this option →Investor-focused financing qualified on property cash flow rather than personal income.
Learn moreShow lessQualification is based on the property's rental income (its debt service coverage ratio) rather than your personal income or tax returns. Popular with buy-and-hold investors growing a rental portfolio. Down payment requirements are typically higher than owner-occupied programs.
Talk to Adam about this option →Bank-statement, asset-based, and other alternative-documentation options for self-employed borrowers and unique scenarios.
Learn moreShow lessBuilt for borrowers who don't fit traditional income-documentation guidelines, including bank-statement programs and asset-based qualification. Underwriting is more flexible, though rate and down-payment structures often differ from conventional loans. Available for both primary residences and investment properties depending on the program.
Talk to Adam about this option →Financing for higher-value homes that exceed conventional conforming loan limits.
Learn moreShow lessFor loan amounts above conventional conforming limits. Typically requires strong credit, a larger down payment, and additional cash reserves. Guidelines vary more by lender than conforming loans, so terms are worth comparing.
Talk to Adam about this option →Homeowners 62+ can access home equity without a required monthly mortgage payment, backed by FHA's HECM program.
Learn moreFinancing to help grow your business.
Financing for established businesses and business owners — including working capital, expansion, and acquisition scenarios. Programs and requirements vary by lender and situation.
Reach out to discuss your scenario →Fast, asset-based financing for investors.
Short-term, asset-based loans typically used by investors for fix-and-flip projects, bridge financing, or deals that need to close fast. Approval focuses primarily on the property's value rather than personal income, with shorter terms and higher rates than traditional financing. Programs and requirements vary by lender.
Reach out to discuss your scenario →Financing for commercial real estate purchases and refinances.
Financing for the purchase or refinance of commercial real estate, including retail, office, and multi-unit investment properties. Programs and requirements vary by lender and situation.
Reach out to discuss your scenario →Talk through goals, budget, and the mortgage products that actually fit your situation.
Complete your application online, with Adam guiding every step along the way.
Enjoy a streamlined closing process with clear timelines and digital tools.
Short, sourced updates — pulled from places like Freddie Mac, NAR, and HUD, kept short on purpose.
The 30-year fixed averaged 6.43% this week, down slightly from last week. Rates move often — the number that matters is the one quoted for your scenario.
CHFA offers a program literally called "Smart Step," plus down payment assistance up to $25,000 that's never repaid.
The property's rental income does the qualifying, not your personal tax returns — a go-to for investors.
Tell us a bit about your goals and Adam will personally reach out to discuss your options and next steps.
Complete a secure mortgage application so Adam can review your information and discuss available options. Applying does not require consent to receive text messages.
Apply NowSubmitting an application does not guarantee approval or constitute a commitment to lend.
Rates change daily and depend on your credit, loan type, and down payment. Use this calculator to get a rough monthly payment estimate, then reach out to Adam for a real, personalized quote.
Get my personalized rateThis calculator is for illustration only and does not include property taxes, homeowners insurance, HOA dues, or mortgage insurance. It is not a quote, rate lock, or offer of credit. Actual payment and rate depend on your individual application and current market conditions.
Complete a secure mortgage application so Adam can review your information and discuss available options. Applying does not require consent to receive text messages.
Use the form below if you have a specific question.