My Favorite Ways to Get You Home

Every buyer’s story is different — there’s no one-size-fits-all mortgage. But over the years, I’ve found certain loan solutions that work again and again for my clients across California and Texas. Here are three I reach for often. If none of these fit, don’t worry — I’ve got a full suite of options to match your goals.

Pedestrians walking along a shopping and dining area by the water with shops, seating, and signage, including a sign for Redondo Landing and Old Tony's, during daytime.

Self-Employed Buyers

You don’t need a W-2 to get a home loan. With the right program, we can use bank statements, 1099s, or other income proof to show your true earning power — not just what’s on paper.

A tall, conical observation tower with a blue top and a cage-like structure, overlooking a cityscape at dusk.

First-Time Buyers

From low down payments to closing cost help, first-time buyer programs are designed to get you into your first home with less upfront cash — and more confidence in the process.

A small brick building with a faded sign that reads 'THE LIGHTHOUSE Cafe' in white letters. The building is located between a larger gray building on the left and a beige building on the right. There are palm trees visible in the background under a clear blue sky.

Investors

With Debt Service Coverage Ratio (DSCR) loans, your investment property’s rental income — not your personal income — is what matters. Perfect for building a portfolio without traditional income hurdles.

These aren’t the only options I offer — just a few that get great results. Whatever your situation, I’ll match you with the right loan to get you home.

Let’s See What Fits You Best