Finding the right loan starts here.
Buying a home is one of the biggest decisions you’ll ever make, but it doesn’t have to feel overwhelming. With 20+ years in the mortgage industry and deep roots here in Florida, I’ll guide you through every step of the process.
Whether you’re a first-time buyer, a seasoned homeowner, or exploring options in Tallahassee, Tampa, or along the Forgotten Coast, my mission is to make sure you feel confident, clear, and ready to move forward.
>> Loan Options
No two buyers (and no two homes) are the same. That’s why I offer a wide range of mortgage solutions to fit your unique situation. Together, we’ll find the loan that makes the most sense for you.
> Conventional Loans
Perfect for buyers with strong credit and a solid down payment. These loans aren’t backed by the government, which gives you more flexibility on property choices, fees, and terms.
Benefits
- As little as 3% down
- No PMI with 20% or more down
- Drop PMI automatically once equity reaches 20%
> FHA Loans
Great for first-time buyers or anyone who doesn’t have a large down payment saved. FHA loans are insured by the Federal Housing Administration and designed to make homeownership more accessible.
Benefits
- Only 3.5% down
- Higher debt-to-income flexibility
- Compatible with many Down Payment Assistance Programs
> VA Loans
For veterans, active-duty service members, and eligible spouses, VA loans are one of the best ways to buy a home, offering unmatched benefits and long-term savings.
Benefits
- 0% down payment
- No monthly mortgage insurance
- Reduced closing costs and waived VA funding fee for qualifying veterans
> USDA Loans
If you’re buying in a rural or suburban area outside Tallahassee, USDA loans may be the perfect fit. These loans are designed to help families purchase homes in eligible areas with no down payment required.
Benefits
- 0% down payment
- Lower mortgage insurance premiums
- Competitive interest rates
> Jumbo Loans
Buying in Tampa’s higher-value market? A jumbo loan might be right for you. These loans allow for financing above conventional limits while still offering competitive structures.
Benefits
- Finance up to 90% with as little as 10% down and no PMI
- Multiple fixed and adjustable-rate options
- Accept projected income for relocations or new contracts
> Reverse Mortgages
For homeowners 62 and older, a reverse mortgage (HECM) lets you tap into your home’s equity without monthly mortgage payments, as long as the home remains your primary residence.
Benefits
- Turn home equity into cash, monthly payments, or a line of credit
- No monthly mortgage payments required
- Flexible options tailored to your retirement goals
>> Getting Pre-Approved
Pre-approval is one of the smartest first steps in the home-buying journey. It not only shows sellers you’re serious, but also helps you shop confidently within your budget.
What you’ll need:
- W-2s and tax returns (last 2 years)
- Recent pay stubs
- Bank and asset statements (last 2 months)
- Driver’s license or passport
Depending on your situation, we may also need things like an offer letter, Social Security award letter, or divorce decree. Don’t worry, I’ll walk you through what’s required and make sure the process is as smooth as possible.
>> Mortgage Calculators
Curious what your monthly payment might look like? Use our calculators to get a starting point. Then, let’s talk through your real numbers together so you know exactly what to expect.
*This calculator is for informational purposes only and may not be accurate. This is not a loan pre-qualification or pre-approval nor a commitment to lend. Additional fees such as HOA dues or Condo assessments are not included in the calculation. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Contact a financial professional for full details.
