Buying, refinancing, or trying to get a file that didn’t work somewhere else.
I match the borrower and loan to the lender whose guidelines fit rather than trying to make every scenario work with the same lender.
Programs Conventional, FHA, VA, USDA, jumbo, renovation, bank statement and DSCR financing.
Scheduling opens Calendly; applications open the secure application portal. Both open a new tab.
What I finance / How I work
The file first.
The lender second.
Purchase, refinance, equity and residential files that need a closer look.
I compare the requirements—not just the product names.
01 / Understand the fileIncome, documentation, the property and your goal.
02 / Compare the fitHow lenders assess the same facts, their requirements and the costs.
03 / Explain the tradeoffsWhat each option asks of you—and when the answer is not yet.
The same file can get different answers
One example / income documentation
Two lenders may review the same tax returns differently: which income they recognize, which expenses they add back, and which period they average. Each may also apply its own requirements, called overlays.
The useful question is not just “Can this close?” It is what each option requires, what it costs, and what the tradeoffs would mean for you.
- Bring the situation
- Income records, the property and your goal. If another lender declined the file, the denial letter or conditions list gives us a place to start.
- Expect a clear explanation
- Sometimes the file does not work yet. Understanding why is part of the conversation—not a promise that another lender will approve it.
How I communicate and keep the file moving
- You’ll know what’s realistic before you’re under contract, including when the answer is no.
- If there’s a problem in the file, you hear it the moment I find it, and we work through the solution.
- You won’t have to ask where things stand.
- I talk directly with your agent, the listing side and the closing attorney, so you’re not relaying messages between people who should be talking to each other.
- I’m at the table when you sign.
Your situation, first
Four places to begin.
Explore what needs attention—not a quiz or an eligibility decision.
BuyingExplore the considerations
First home, next home or new construction. Start with the property, income documentation and the full payment—not only the down payment.
Explore purchase programsRefinancingExplore the considerations
Compare the new payment, costs and loan term against the mortgage you have. VA homeowners can also explore the IRRRL, subject to its requirements.
Explore refinance structuresUsing equityExplore the considerations
Review the purpose, available equity and repayment terms together. A lower monthly payment does not by itself establish a lower total cost.
Explore refinance structuresComplex filesExplore the considerations
Self-employed income, documentation questions or a file that did not work elsewhere deserve a closer look. Different guidelines do not guarantee approval.
Explore income documentationRental property or business financing? Explore Commercial · Gwinnett ownership-cost context
Within Residential
Loan Programs
Understand the structure before choosing a program.
Compare requirements and tradeoffs for buying, refinancing, renovating, self-employed income and investment properties. A program description is a starting point—not a qualification decision.
Explore residential loan programsIn a client’s words
“Aaron did an excellent job explaining everything and always kept us informed of what task needed to be completed next.”
Todd Pinkham · VA loan · June 2026Start with a conversation
Thirty minutes, no credit pull, no obligation. Worst case you leave knowing where you stand.
The application uses a secure form and soft pull. We review real numbers side by side, and I’m there at the closing table.