Know what you can actually buy. Before anyone runs your credit.
Five questions. I write you back personally: what you can afford, which programs fit, and whether a new build is closer than you think.
Already know you're ready? Start your pre-approval →
Three steps. No phone number required.
Tap through 5 questions
Two minutes, no credit pull, no documents. A rough picture is all I need.
I write your read — personally
No algorithm, no score. A plain-English note on where you stand and the exact moves that would change it. Within one business day, usually same-day.
We talk only if you want to
No call unless you ask for one. If now isn't the time, the read tells you what to work on — free either way.
The Readiness Read
Gut answers are fine — this just gives me enough to write something useful.
First things first — when do you want keys in hand?
Gut answer is fine. This just sets the pace.
What price range are you eyeing?
SCV context: many new builds run between $700K and $2.5M.
Is this your first home?
First-timers unlock programs repeat buyers can't touch.
Honest guess — where's your credit?
No pull, no judgment. A rough band is all I need.
Last one — what's saved for the down payment so far?
Builder credits and assistance programs can change this math a lot.
Done. Where should I send your read?
Written by me, not software. Arrives within one business day, usually same-day.
It's on the way.
Watch your inbox — your readiness read arrives within one business day, usually same-day. No call unless you ask for one.
Want it sooner? Call or text (661) 284-1150.
Private. Not a loan application or credit check.
Three other ways I can be useful.
HELOC — tap equity, keep your rate
If you locked a low rate a few years back, a cash-out refi would torch it. A HELOC leaves your first mortgage alone and opens a line against the equity your home has built — for a remodel, knocking out higher-interest debt, or the down payment on the next place. You draw only what you use.
Second Opinion
Send me your Loan Estimate and I'll flag junk fees, bad math, and lock-timing issues — then tell you straight if your lender's deal is solid. If I can't beat it, I'll say so.
Refi Watchlist
Name the rate that would make a refi worth the paperwork. When the market hits it, I send one email — no weekly spam, no "just checking in."
I help families finance the home they're actually trying to build.
Mortgage loan originator and new-construction specialist for the Santa Clarita Valley and greater LA County. Most people I meet have already been pitched at and rate-shopped, so I lead with answers instead. I track every active new-build community in the valley — all seven — down to pricing and incentives.
The loan follows your timeline, family, and risk tolerance — never the other way around.
If I can't explain a loan in two non-jargon sentences, I'm not doing my job.
If your current lender's deal is better than mine, I'll tell you. The relationship outlasts any single transaction.
Off the clock: husband, dad to a one-year-old, and outnumbered by three huskies.
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