Every Buyer Has a Path.
Let's Find Yours.
VA, FHA, 203K, USDA, DSCR, Conventional, One Time Close, Mobile Home & Land, Jumbo, Halal, and manual underwrites. If there's a path to homeownership — I know it.
Call Your Lender First.
Before You Call a Realtor.
The right loan program depends on your credit score, income type, down payment, property type, and location. Most buyers don't know which program fits until they talk to a lender. That conversation is free, soft pull only, and changes everything about how you approach the search.
Don't fall in love with a home before you know what you qualify for. Call me first.
Every Program. One Lender.
The most powerful home loan program available. Zero down, no PMI, competitive rates for life. Manual underwrites available when AUS says refer. My mom is a veteran — this one is personal.
Learn More → 500+ Credit · 3.5% Down580+ with 3.5% down. 500–579 with 10% down. Manual underwrites available. FHA is the most common first-time buyer program — and the most misunderstood.
Learn More → Buy + Renovate · One LoanFinance up to $75K in repairs in one mortgage. I closed one myself — commission income, 51% DTI, 53 days from offer to keys. I know this product from the inside.
Learn More → $0 Down · Rural & Suburban100% financing in eligible areas. Lower MI than FHA. More properties qualify than most buyers realize. The most underused zero-down program in lending.
Learn More → No Tax Returns · LLC OKQualify on rental income — not your personal income. No W-2. No tax returns. LLC closing available. Built for real estate investors who need to scale.
Learn More → 3% Down · PMI Drops OffHomeReady and Home One start at 3% down. Strong credit? Conventional beats FHA on total cost — especially since PMI eventually cancels and FHA MIP doesn't.
Learn More → Build · One Loan · Rate LockedConstruction to permanent in a single loan. Lock your rate before ground breaks. FHA, VA, and USDA options. No second closing, no re-qualifying when construction completes.
Learn More → Home + Land · One MortgageManufactured home and land financed together as real property. FHA Title II and conventional options. Louisiana, Mississippi, and Texas — where most lenders turn these buyers away.
Learn More → Above Conforming LimitsAbove $806,500 in most markets. Primary, second home, and investment options. California buyers — I'm licensed there and jumbo is standard in your market.
Learn More →Beyond the Standard Programs
Interest-free home financing structured to comply with Islamic finance principles. My LO assistant Mariam Abdullah speaks Arabic. Your entire transaction can be handled in Arabic if needed.
VA and FHA manual underwrites available. When the automated system returns a refer I do the work manually. I was an underwriter. I know what the file needs to look like.
Not ready today? My credit restoration specialist Natasha Stewart works with clients who need 30–90 days to get their score where it needs to be. We build the plan and close when you're ready.
Learn More →Quick Reference — Program by Situation
Not sure? Apply with a soft pull and I'll tell you exactly which program fits your situation.
Nine States. One Relationship.
Relocating. Military PCS. Out-of-state investor. California to Louisiana. Louisiana to Texas. I cover it all under one conversation.
Serving Louisiana, Mississippi, Florida, Texas & 5 More States
Based in Baton Rouge, Louisiana — serving Denham Springs, Livingston, Gonzales, Walker, Zachary, New Orleans, Shreveport, Lafayette, and Lake Charles. Mississippi: Jackson, Gulfport, Biloxi, Hattiesburg, Mendenhall, Vicksburg. Florida: Tampa, Orlando, Jacksonville, Naples, Boynton Beach, and statewide. Texas: Houston, Dallas, San Antonio, Austin, and statewide.
