FAQs

Frequently Asked Questions

Home ownership often comes with many uncertainties. Learn more about your loan options, key differences and the mortgage process.

How do construction loans work?

Construction loan funds are disbursed in stages as the construction and/or renovation progresses. Once the project is complete, it converts to a traditional mortgage. Our construction loan includes just one close, thus making it much more streamlined. 

What is a construction loan?

A construction loan is a loan type utilized in financing the building or major renovation of a home. 

What is a jumbo mortgage loan?

A jumbo mortgage loan is used to finance homes that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). As of today, that limit is $806,500. 

What is the best mortgage for me?

The best mortgage for you depends on your financial goals, income, credit profile, and how long you plan to stay in the home. With my 20+ years of experience, I’ll help you compare loan options to find the perfect fit.

What is a physician loan?

A physician loan is a special mortgage program designed for medical professionals that offers low or minimal down payment, no private mortgage insurance (PMI), and flexible debt-to-income (DTI) requirements. It’s tailored to help doctors and dentists qualify for home financing early on in their careers while also always being there as an option as they become further established. 

Do physician loans work for dentists?

Yes! View our physician loans for dentists page for more information.

Who qualifies for physician loans?

Our physician loans are available to licensed medical professionals such as doctors and dentists. Eligibility depends on your degree, employment status, and credit profile.

Fixed rates vs. ARM mortgages?

A fixed-rate mortgage keeps the same interest rate for the life of the loan, therefore providing predictable monthly payments. An adjustable-rate mortgage (ARM) typically starts with a lower rate that can change periodically based on market conditions after an initial fixed period. There is no “best option” as it depends based off your own mortgage needs. 

Get in Touch

I’m here to support you every step of the way. If you’re ready to turn your home financing goals into your new reality, let’s work together.