We offer a wide variety of loan options, including personal, business, and emergency loans, each designed to meet different financial needs. Our team works closely with you to understand your situation, ensuring we recommend the most suitable loan type that fits your goals, whether it’s expanding your business, managing personal expenses, or dealing with an unexpected financial burden. We take a personalized approach to guide you toward the best option.

Rates change often and can vary depending on your credit score, down payment, and the type of mortgage you need. I’ll search across a range of lenders to find the most competitive rate for your situation. My goal is to get you the best deal that aligns with both your short-term budget and long-term goals.

Typically, you’ll need at least 5% of the property’s value as a down payment, but that can vary. For example, if you’re self-employed, or your credit is a bit challenged, a lender may ask for more. We’ll review your situation and see what works best, including any programs that might allow a lower down payment.

There are lenders who specialize in working with self-employed individuals or people with less-than-perfect credit. The process might be a bit different—we may need more documentation, and the rates might vary—but I’ll guide you through every step and make sure we find the best possible solution for you.

Besides your down payment, you’ll want to budget for things like legal fees, appraisal costs, and home inspection fees. Sometimes there are lender fees or broker fees, but I’ll be transparent about all costs upfront, so there are no surprises. We’ll make sure you have a full picture of what to expect.