Purchase loans
Conventional 30- and 15-year fixed, ARM options, second-home programs. The default for most Southwest Florida buyers, and where I close the bulk of my volume.
Loan Options
What I help with. And how I price it
Conventional, FHA, VA, Jumbo, Bank Statement, HELOC, and Cash-Out. I'll only recommend the structure that actually fits your situation, not the one that's easiest to close. 7-day loan commitment available with appraisal in hand.
Why this list is the whole list
Every product above is built, underwritten, and serviced under one roof
I'm in-house at CrossCountry Mortgage, a direct seller and servicer to Fannie Mae, Freddie Mac, and Ginnie Mae with 120+ loan products. That changes how I can answer the four questions that matter on every loan.
Speed
No broker middle layer. Underwriting, processing, and closing all live inside CCM, so we clear a condition in hours, not days.
Certainty
I read your loan the same way the underwriter will. If something's going to trip us up (reserves, DTI, condo warrantability, post-Ian insurance) you'll hear it from me up front, not three days before closing.
Coverage
120+ products under one roof: conventional, FHA, VA, jumbo to $5M+, bank statement, P&L-only, asset-based, HELOC, condo portfolio, non-warrantable. If a structure exists in the market, chances are I have it.
Accountability
One name on your loan from pre-approval to clear-to-close: mine. No bait-and-switch handoff to a call-center processor in another time zone. One person you can hold accountable.
Closing pace, set by the loan
An honest schedule on day one. Then we hold it
Most loans close in 21 to 30 days. Clean, comfortable, no fire drills. When the contract calls for faster, we shift gears. 14-day closes are routine on prepped loans, 10-day closes happen when the appraisal, title, and conditions line up, and I've taken a clean loan from application to keys in 8 days. Tell me your contract date on the first call. I'll tell you what's realistic. I do what I say I'm going to do. I close early or on time.
First-time homebuyer
3% down conventional, FHA 3.5% down, and down payment assistance where it qualifies. I'll walk you through every closing cost line by line so nothing surprises you at the table.
Refinance
Rate-and-term refi, term shortening, ARM-to-fixed. I won't run a refi if the savings don't pay back the costs in under 24 months. Straight answer, every time.
HELOC & Cash-out
Pull equity without losing your low first-mortgage rate. Renovations, debt consolidation, second-property down payments. HELOC can close in as few as 14 days.
Jumbo loans
Boca Grande, Casey Key, Siesta Key, Burnt Store Marina, Punta Gorda Isles waterfront, plus Highland Beach and Gulf Stream. Up to $5M+. Portfolio jumbos for non-warrantable condos and high-value second homes are on the table.
Self-employed
12- or 24-month bank statement programs, P&L-only, asset-based, and 1099 programs. Built for business owners and high earners whose W-2 doesn't tell the whole story.
Condo financing
Warrantable, non-warrantable, 55+ communities, high-investor buildings, post-Ian Gulf-coast towers. Send me the address and I'll pull the building's approval and reserve-study status before we go any further.
FHA
3.5% down, scores from 580 (sometimes lower with compensating factors). A solid first-time buyer option for the Port Charlotte, North Port, and Cape Coral mid-market.
VA
Zero down, no PMI, and competitive rates for service members and veterans. I've closed VA loans across South Florida, including cases with multiple entitlements.
Not sure which?
Let me figure it out for you
Every borrower's situation is different. The right product depends on your credit, income structure, the property, and your timeline. I'll tell you which one fits, and why.