Conventional
Flexible financing for qualified buyers purchasing a primary residence, second home, or eligible investment property.
Ask about Conventional →Home financing, without the overwhelm.
Let’s get you closer to home.
Whether you’re buying your first home, making your next move, refinancing, or building an investment portfolio, I’ll help you understand your options and create a mortgage plan that fits your goal.
ConventionalFHADSCR
Buying · Refinancing · Investing
Find your fit
One goal.
More than one way
to finance it.
You don’t need to know which mortgage program you need before you reach out. Start with what you’re trying to accomplish, and we can review financing options that may fit your scenario.
Tell me what you're planning ↗FHA
Government-insured financing that may offer more flexible qualifying guidelines for eligible owner-occupied homebuyers.
Ask about FHA →DSCR
Investor-focused financing where eligible rental property cash flow may be used as a primary part of qualification.
Ask about DSCR →*Program requirements, down payment, mortgage insurance, credit standards, rates, and eligibility vary by borrower and loan program.
Meet your loan originator
Mortgage guidance that feels a little more human.
I know mortgage financing can feel like a lot of numbers, acronyms, documents, and deadlines. My goal is to make the process easier to understand, keep communication clear, and help you feel informed as you move toward your next step.
From homebuyers to real estate investors, every scenario is different. We’ll start with your goal and work from there.
Kyra
The process
From “I’m thinking about it”
to clear next steps.
Tell me the goal.
Share what you’re buying or refinancing, your timeline, and what matters most to you.
Review your options.
We’ll discuss programs that may fit, along with the key requirements and tradeoffs to consider.
Apply & document.
If you choose to move forward, complete your application and provide the documents needed for review.
Work toward closing.
Your file moves through the applicable review, underwriting, conditions, and closing process.
Ready when you are
Tell me what you’re trying to do.
You don’t need to have every detail figured out. Send the basics and I’ll follow up with you.
Please do not submit Social Security numbers, bank account information, passwords, or other sensitive financial information through this form or by unsecured email.
Good to know
A few mortgage FAQs.
Exact eligibility and terms depend on your full scenario, but these are a few good starting points.
What’s the difference between Conventional and FHA?
Conventional loans are not federally insured and generally follow applicable agency or investor guidelines. FHA loans are insured by the Federal Housing Administration and have separate credit, property, occupancy, and mortgage insurance requirements.
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio. Eligible DSCR programs are generally intended for non-owner-occupied investment properties and may evaluate whether qualifying rental income supports the property’s housing expense.
Do I need to know which loan program I want first?
No. Start with your goal, property type, budget, timeline, and general financial picture. We can then discuss programs that may fit your situation.
Can FHA be used for a rental property?
FHA financing generally requires the borrower to occupy the property as a primary residence, subject to FHA requirements. It is not a standard program for a non-owner-occupied investment property.
Does submitting this form mean I’m approved?
No. Contacting me or submitting an inquiry does not constitute an application, approval, preapproval, rate lock, or commitment to lend. Loan decisions require a completed application and applicable review.