Direct Mortgage Lending · Licensed in 49 states
Get pre-approved
in minutes.
Close in 30 days.
Straightforward home loans from a lender who's actually closed $800 million of them. No callback games. No bait-and-switch. Just real numbers, fast answers, and a process built for humans.
18
Years in the industry
$800M+
In home loans originated
49
States licensed (not NY)
24h
Pre-approval turnaround
Ways to Work Together
Whatever kind of loan you need — I've probably closed hundreds of them.
Purchase
First home, move-up, or investment. FHA, Conventional 97, VA, and USDA programs. Down payments from 0% to 20%.
Apply for purchase →Refinance
Lower your rate, shorten your term, or pull equity to eliminate high-interest debt. Break-even analysis first — no waste.
Apply for refinance →VA & Military
Zero down, no PMI, and seller-paid closing costs. Active duty, veterans, and qualifying surviving spouses. No funding fee for disabled vets.
Apply for va & military →Free Guide
The First-Time Homebuyer Playbook.
14 pages. No fluff. Everything you need to go from curious to closed — credit prep, pre-approval docs, the 28/36 rule, loan program comparison, real costs, the 30-day checklist.
- →The exact docs to gather before applying
- →FHA vs Conventional vs VA vs USDA — side by side
- →Real closing costs for a $350k home (every line item)
- →The 5 mistakes that kill first-time buyer deals
- →A printable 30-day pre-approval checklist
The Process
Three steps. One loan officer. Zero runaround.
Apply
Ten-minute online application. Soft credit pull, secure document upload.
Review
I personally review every file — same day. You get a real pre-approval letter within 24 business hours.
Close
Cardinal Financial underwriting on the Octane platform. Most purchases close in 21–30 days.
Ready when you are
Start your application
in the next ten minutes.
Soft credit pull. Real pre-approval. No obligation. If I can't get you qualified, I'll tell you exactly what to work on and when to come back.