Your mortgage shouldn't feel like a mystery.
For 28+ years, I've helped families across California, New Jersey, and nationwide navigate home financing, from first-time buyers nervous about down payments to seasoned investors stacking DSCR loans on rental properties. I've closed loans across every program imaginable: VA, FHA, Conventional, Jumbo, USDA, 203k renovation, HomeStyle, CalHFA, bank statement, DSCR, asset depletion, and more.
What sets my team apart isn't a slogan, it's response time and clarity. When you call or text me, you get me. When you ask a question, you get a straight answer with the math behind it. When something goes sideways in underwriting (and sometimes it does), I get on the phone with the underwriter myself instead of leaving you guessing.
What I specialize in
- FHA loans, 3.5% down, DPA-friendly, FHA 203k renovation
- VA loans, Purchase, IRRRL, cash-out, jumbo, 2nd use entitlement
- Down payment assistance, CalHFA, GSFA, Chenoa, MyHome, NJHMFA, county programs
- First-time buyer programs, DPA stacking, education and roadmap
- Refinance, Rate-and-term, cash-out, FHA Streamline, VA IRRRL, debt consolidation
- Jumbo loans, High-balance and true jumbo for Sacramento, Bay Area, NJ, and nationwide
- Non-QM loans, Bank statement, 1099, P&L, asset depletion
- Renovation loans, FHA 203k (Limited & Full), HomeStyle, CHOICERenovation, VA Alteration
- Investment property loans, DSCR, portfolio, multi-family 2-4 unit, BRRRR strategy
- Construction loans, One-time-close and renovation-to-permanent options
Where I serve
I work heavily across Sacramento, California (Sacramento, Roseville, Elk Grove, Folsom, Davis, Woodland, and surrounding Sacramento, Placer, El Dorado, and Yolo Counties) and New Jersey (Cherry Hill and the Philadelphia metro), and serve clients nationwide. Licensed in 49 states, excluding New York.
The team
#ChampionsofLoans Team Powered by PRMG Mortgage. My team combines local Sacramento and New Jersey market knowledge with PRMG's nationwide lending platform, including in-house FHA, VA, USDA, conventional, jumbo, Non-QM, renovation, and bond/HFA program desks.
Awards & Recognition
- 🏆 Gold Award, Highly Reviewed Mortgage Team in Sacramento, 2023 (Sacramento Favorites official listing)
- 🏆 Gold Award, Highly Reviewed Mortgage Team in Sacramento, 2024 (Sacramento Favorites official listing)
- 🏆 Gold Award, Highly Reviewed Mortgage Team in Sacramento, 2025 (Sacramento Favorites official listing)
- ⭐ 5.0 average rating across 125+ verified reviews on Google, Zillow, Yelp, BirdEye, Experience.com, and FastExpert
Service Area
Based in Sacramento, California, with deep expertise in Roseville, Elk Grove, Folsom, Davis, Woodland, and the greater Sacramento region. Licensed to serve clients across California, New Jersey, and nationwide through PRMG's national lending platform. PRMG is licensed in 49 states, excluding New York.
Beyond the mortgage
When I'm not closing loans, you'll find me coaching first-time buyers through the home search process, talking shop with Realtors about creative deal structures, or breaking down 5 Day HELOC math on TikTok. Mortgages got me into this business, but helping people build long-term wealth through real estate is what keeps me in it.
Ready to talk?
Free 20-minute strategy call. No commitment. No credit pull.
