Mortgages for the way South Florida actually buys.
Self-employed. Foreign national. Investor. First-time buyer. Miami rarely fits the standard box — so I work with the loan programs built for everyone the box leaves out.
Company NMLS #1660690 · Equal Housing Lender
I explain things for a living. Now I explain mortgages.
Before I originated loans, I sat at the closing table as a notary loan signing agent — watching people sign the largest financial commitment of their lives, and realizing how many of them didn't fully understand what they were signing.
Before that, I taught math in a classroom. Both jobs came down to the same skill: taking something complicated and making it make sense to the person in front of you.
I'm a licensed Mortgage Loan Originator based in Miami, serving Miami-Dade, Broward, and Palm Beach. I also hold a Florida real estate broker associate license, so I understand both sides of a transaction — the financing and the contract.
You will not get a rate quote before I understand your situation, and you will not get a surprise three days before closing.
The programs most people are never told about.
South Florida borrowers get declined all the time for reasons that have nothing to do with whether they can afford the home. Usually it just means they were shown the wrong product.
First-Time & Conventional
Conventional, FHA, and VA financing, plus down payment assistance options. We start with what actually fits your budget — not the maximum a calculator will spit out.
Self-Employed & Bank Statement
Business owner, 1099, or commission-based? Tax returns rarely tell the real story. Bank statement and profit-and-loss programs qualify you on actual cash flow.
Investor & DSCR
Qualify based on the property's rental income rather than your personal income — built for investors growing a portfolio without tripping over debt-to-income limits.
Start a DSCR application →Foreign National & ITIN
Foreign national programs that don't require U.S. credit or a Social Security number, and ITIN options for borrowers who file taxes with a taxpayer identification number.
Condominium Financing
South Florida condos follow their own rulebook — reserves, structural inspections, warrantability. I review the building before you fall in love with the unit.
Reverse Mortgage / HECM
For homeowners 62 and older, options to access home equity without a monthly mortgage payment. You continue to pay property taxes and insurance and maintain the home.
Four steps. No mystery.
A real conversation
Twenty minutes about your income, your timeline, and what you actually want. No application required to talk.
Documents & pre-approval
I tell you exactly what to send and why. You get a pre-approval built on verified numbers — the kind sellers take seriously.
Shop with confidence
You know your number, your payment, and your cash to close before you write an offer. Your agent gets a lender who answers the phone.
Close
Updates you don't have to chase. I've sat on the other side of that closing table — I know what makes it go smoothly.
Learn how this works before you're in the middle of it.
I host free live webinars for South Florida buyers and homeowners. They're online, they're about 45 minutes, and there's always time for questions. Nobody gets sold anything.
Topics rotate throughout the year:
- First-Time Buyer Basics — what you really need to qualify
- Self-Employed? Here's How Lenders Read Your Income
- Buying a Miami Condo Without Getting Burned
- Investing with DSCR Loans
- Foreign National & ITIN Financing in South Florida
- Reverse Mortgages, Explained Honestly
Get notified about the next one
Let's find out what you qualify for.
The first conversation costs nothing and commits you to nothing. If now isn't the right time to buy, I'll tell you that too.
- Phone305-952-1388
- Email[email protected]
- Service AreaMiami-Dade, Broward & Palm Beach Counties, Florida
- Apply OnlinePurchase & refinance application →
- InvestorsDSCR application →