Run My Scenario 
39 YEARS OF MORTGAGE EXPERIENCE
Self-employed. 1099 income. Multiple properties. Big write-offs. I find the loan structure that fits the real story behind your numbers.
WHO I HELP
A complicated tax return doesn’t automatically mean a complicated path to homeownership. It means your advisor needs to know which questions to ask—and which loan programs are actually worth considering.
Bank statements, profit-and-loss statements, 1099 income, and tax returns with aggressive write-offs.
DSCR loans and financing strategies built around the property’s cash flow—not just personal income.
High-net-worth clients, multiple income streams, asset depletion, and files that need a second set of eyes.
THE PROCESS
No guessing. No product dump. We start with the whole picture and build from there.
Income, assets, goals, properties, tax strategy—and anything the last lender didn’t understand.
I’ll explain the tradeoffs in plain English so you know what works, what doesn’t, and why.
Once the structure makes sense, my team takes the file from approval through closing.
THE FIXER
I’ve spent 39 years helping people make sense of mortgage decisions. My job isn’t to force your finances into the easiest box. It’s to understand the full picture, find the right structure, and tell you the truth—even when the truth isn’t the answer you expected.
Based in Long Beach and serving clients across California, Texas, and Arizona.
STRAIGHT ANSWERS
Possibly. Depending on your full financial picture, bank-statement, P&L, asset-depletion, or other loan options may be worth reviewing.
No. That’s a specialty, not a restriction. I also help traditional salaried buyers, veterans, investors, and homeowners evaluating a refinance.
No. We can first discuss your goals and numbers. A secure application comes next only when it makes sense.
No honest advisor should promise that before reviewing the full transaction. I’ll show you the options, costs, and tradeoffs so you can make a clear decision.
YOUR NEXT MOVE
Tell me what you’re trying to do. If there’s a smart path forward, we’ll find it.