Residential lending
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.
Your situation, first
What are you working toward?
The file first. The lender second. We compare requirements, costs and tradeoffs, not just product names.
Make the payment fit the plan.
We’ll discuss the property, timeline, available cash and the full monthly payment.
Credit, income, occupancy, location and property requirements affect available options.
What shapes the conversation
- Income and documentation
- Cash, debts and payment
- Property and program requirements
Purchase programs are a starting point, not a qualification decision.
What should a new loan change?
Compare the mortgage you have with the proposed payment, closing costs and remaining term.
Available structures depend on qualification and the property. VA refinance options have separate requirements.
Compare both sides
- Today’s balance and payment
- New costs and loan term
- Break-even and longer-term cost
A smaller payment alone does not establish a lower total cost.
Start with the purpose of the funds.
Considering a cash-out refinance? Review the purpose, available equity and repayment terms together.
Qualification, valuation and lender requirements affect proceeds. A lower payment can still cost more over time.
Equity is not the whole answer
- Property value and existing debt
- Purpose and amount needed
- Repayment terms and total cost
A property-value estimate does not establish available proceeds.
Bring the situation, not a perfect file.
Self-employed income, unusual documentation or a prior decline give us specific questions to work through.
Lenders can evaluate the same facts differently. Sometimes the answer is not yet.
Understand the actual constraint
- Review records and prior conditions
- Compare lender interpretations
- Explain what works, or what needs time
Different guidelines do not guarantee a different outcome.
Payment builder
See what moves the monthly payment.
Move the price and the down payment. Change the rate or the taxes. Example numbers, not a quote.
Loan term
Estimated monthly payment
/ month
Taxes and insurance add $550 to the $2,275 of principal and interest.
What one change does
5% more down
Rate 0.5% lower
$25,000 less house
Doesn't include mortgage insurance, which applies to most loans with less than 20% down, or the VA funding fee. Bring these numbers to the call and we'll put real ones next to them.
How I work
What you should expect from me.
Clear answers, early communication and a file that keeps 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.
In 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 2026
Start 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.