Uncategorized

I wanted to share a real example from a recent refinance that highlights why understanding non-traditional income matters. This client didn’t fit neatly into standard W-2 or tax-return guidelines — but by using bank statement income, we were able to: This type of loan isn’t for everyone — but for business owners, self-employed borrowers, or…

We just finished reading Don Miguel Ruiz’s 160-page masterpiece as a team. In this book, he shared a simple 4-agreement framework for creating clarity, peace, and personal freedom in everyday life. Be Impeccable With Your Word Speak with integrity. Say only what you mean. Use your words to build trust — not to create fear…

When I was early in my career and trying to be everything to everyone, I struggled with being fully present with my family. I’ll never forget a moment from Luca’s first season of Little League — actually T-ball. He caught a pop fly, which at that age is a huge deal. He looked up, beaming…

Every loan officer and realtor I’ve spoken with is saying the same thing: They haven’t had a January this busy in years. Personally, I just wrapped up one of the busiest weeks of calls and meetings I can remember. That’s great news for the industry and the market. But it also means this As competition…

Wealth in America started with land. It still does. Real estate has helped generations turn work into ownership—and it still matters today: Fixed payments while rents reset Forced savings with every principal payment Equity that can fund the next chapter If cash to close or self-employment feels like a hurdle, there are real options. No…

When speaking with younger loan officers, I’m often asked what tools I use on a day-to-day basis. The truth is, most of these aren’t flashy — but they’re incredibly effective. Top Mortgage Tools for Loan Officers: The Phone — It might sound old-school, but nothing beats a real conversation. A live call builds trust faster…

For the last 4–5 years, running has been a big part of my routine. Late last year, an Achilles injury forced a hard stop—no running for now. So instead of sulking or forcing it, I made a change for Q1: walk one hour a day. Outside whenever possible. Quiet mornings. Fresh air. No headphones most…

Would you believe that buying a home TODAY with a 3% down payment, will likely cost you LESS than buying a few years down the road with a larger down payment?? Check it out!

Due to a lack of inventory, it is taking longer for buyers to find the right home. That perseverance is going to pay off, because as the Fed begins to raise rates, the cost of owning a home is going to increase also. The lack of inventory and high demand is here to stay with…