About This House

If you are encountering difficulties securing financing for a property purchase, or if you are entering the housing market for the first time, allow me to identify the obstacles in your path. I am committed to assisting you in overcoming these challenges to obtain the necessary funds.

The application procedure is straightforward and can be initiated from your home. Importantly, applying will not negatively impact your credit score, and I can demonstrate how this is achieved.

Indeed, by submitting a mortgage application through me, the resulting credit inquiry will have little to no effect on your likelihood of approval. I can provide evidence of this.

Clients appreciate collaborating with me due to the following qualities and services:

• Integrity and honesty
• Complete transparency
• A proactive approach to solving problems
• Full licensing and legal compliance
• Availability for client concerns or questions at any time, day or night
• No requirement for upfront fees
• Financial advisory services aimed at achieving financial independence
• Options for credit score improvement
• Debt consolidation solutions

Common Obstacles to Loan Approval That I Can Help Resolve

• Elevated Debt-to-Income Ratios (this compares your monthly debt payments to your monthly income, not the total balances owed)
• Credit Score challenges
• Insufficient documented income
• Complexities related to self-employment or 1099 income

A widespread misconception is that all existing credit accounts must be fully paid off before qualifying for a mortgage or refinance. This is frequently incorrect. Allow me to review your specific financial profile. Together, we can determine which accounts, if paid down, would provide the greatest benefit for your unique circumstances.

I look forward to connecting with you. Best wishes on your real estate journey!

Lic # 1169079 CA & TX