How I Work

Most of what reaches my desk has already been somewhere else. A veteran was told the entitlement would not work. A self-employed borrower was told the tax returns did not support the payment. A buyer keeps losing houses to offers that look stronger on paper. By the time we talk, the person on the other end of the phone is usually tired of being told no.

So I start with the whole picture instead of the application. What does the income actually look like across a couple of years, where is it coming from, and what does an underwriter need to see to count it? That conversation takes longer at the front. It also means far fewer problems in the middle, which is where most loans fall apart.

From there we pick the program that fits the situation rather than the one that is easiest to quote. VA, FHA, USDA, conventional, and investment property financing all sit in front of me, and they behave very differently once a file gets complicated. When it makes sense, I will run the file through underwriting before you write an offer, so the strength is real and the surprises come out early.

I work across the DFW corridor and Midland in Texas, the Western Slope of Colorado including Mesa, Delta and Garfield counties, San Juan County in New Mexico, and Maricopa County in Arizona. Some of that is rural, some of it is fast and competitive, and the two need very different handling.

If someone has already told you no, tell me what they said. That is usually the most useful sentence in the whole conversation.