For Realtors, builders and CPAs.
I hold a mortgage license and a California real-estate license, and I represent new-construction buyers myself. Here's how I work with referral partners, and what I don't do.
Where most people are stuck.
Your buyer's letter arrived late and said nothing
Your clients can start with the Readiness Read: a few quick taps, no credit pull, and a plain-English note written by me on where they stand and the exact moves that would change it.
New-construction deals need a lender who knows the terrain
Builder-lender comparisons, rate-lock timing across a long build, incentive math. I walk the models with buyers; bring me to the sales office.
Answers in writing. No pressure.
For real estate agents
A plain-English Readiness Read your buyers can start on their own, and a lender who holds a real-estate license too.
Introduce yourselfFor builders and CPAs
Builder sales offices: an honest comparison against your preferred lender, and if yours is better I'll say so. CPAs: documentation paths for self-employed clients, explained.
Start the conversationNo referral fees, no gifts of value, no quid pro quo.
RESPA Section 8 prohibits paying for referrals. Any co-marketing is shared at fair-market cost.
Let's work a file together.
One form, or one email.
Tell me about your clients.
One short form. I reply the same business day with how I work and what your clients can expect.
Got it.
I reply the same business day.
Three steps. No phone number required.
Tap through a few quick 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.
Straight answers.
Do you pay referral fees?
No. RESPA Section 8 prohibits it and I follow it. Co-marketing, if any, is shared at fair-market cost.
How fast do you turn around a buyer's read?
Same business day, usually within hours. The Readiness Read on this site is the same thing your client can start on their own, no credit pull.
Want your real numbers?
No credit pull to start. Tell me what you're trying to do and I'll show you the payment, the cash to close and your best two or three options.