Nationwide Mortgage Broker • Prior Air Force Officer

Buying a home without a strategy is how people overpay, panic, or miss out.

  • Understand what you can actually afford (not just what you’re “approved” for)

  • See loan options most buyers don’t know exist

  • Avoid last-minute surprises that kill deals or raise payments

  • Make decisions with numbers — not guesswork

I help buyers map out their numbers, options, and timing before they’re under pressure — so they can move confidently when it matters.

👉 Build my home-buying strategy

No Hard Credit Pull • No Commitment • Just Clarity

The biggest advantage buyers have is preparation — not speed.

Most buyers think the real work starts once they find a home. In reality, that’s when decisions get rushed, emotions take over, and options shrink.

The buyers who feel confident — and avoid costly mistakes — are the ones who plan before the search begins.

What planning early actually gives you…

  • 1. Knowing your true comfortable payment — not just your max approval

  • 2. Understanding how to submit an offer that saves you the most money

  • 3. Having a plan/strategy on the seller helping pay for your closing costs and/or a rate buy down

  • 4. Being able to move quickly on submitting an offer without panicking & rushing to put in paperwork for an approval

    5. Recognizing what the housing market looks like in your specific area & knowing how to capitalize on that leverage

😩 When Buyers Wait:

  • ❌ Decisions happen under pressure

  • ❌ Options are limited

  • ❌ Numbers feel confusing

  • ❌ Stress is high

😎 Buyers Who Plan:

  • ✅ Decisions feel intentional

  • ✅ Options are clear

  • ✅ Numbers are already mapped

  • ✅ The process feels calmer

This is why I work with buyers before they find a home — not after.

I'm ready to get prepared! 🚀

This strategy is perfect for if:

  • You’re wanting to buy a home in the next 6–18 months

  • You want to understand your numbers before touring homes

  • You don’t want to feel rushed or pressured during your home-buying journey

  • You’d rather make decisions with clarity than guesswork

Before we get started on your personalized strategy — here’s what this is (and isn’t):

  • ❌ This is not a hard credit pull

  • ❌ This is not a sales call

  • ❌ You are not committing to anything

  • ✅ You’ll get clarity on your numbers, options, and timing

✺ Commonly Asked Questions ✺

  • Not at all. This is not a commitment — it’s a strategy session.
    When we run your numbers, we’re simply gathering info to see what’s possible. You’re not locked into a lender, loan, or property.

    Think of it like test-driving a car: we’re just seeing what fits before you ever sign anything.
    If you decide to move forward later, you’ll already have the foundation built — and that saves you serious time and stress when the right home pops up.

  • Because the buyers who start early get the best deals and the least stress.
    Starting at least 6 months out gives us time to:

    • Fine-tune your credit (and boost your score if needed)

    • Build up savings or reserves strategically

    • Lock in pre-approval when rates or inventory shift in your favor

    • Understand what’s realistic for your budget and goals

    Waiting until you’re “ready to buy” often means playing catch-up — and that’s when dream homes get away. Starting early means when you see the one, you’re already positioned to win.

  • It depends on how you earn income:

    • W-2 Employees: Two most recent pay stubs + last two years of W-2s.

    • Hourly or Overtime: We’ll average your income over time, so consistent hours matter.

    • Self-Employed / 1099: Two years of tax returns, all pages and schedules.

    • Active Duty or Retired Military: LES, retirement statement, or VA disability letter.

    • Side Hustle Income: Usually needs a two-year history to count.

    If you’re unsure — no worries. Once you apply, I’ll send a checklist tailored exactly to your situation.

  • Not exactly — and I don’t want you getting catfished by clickbait.

    Most down payment assistance (DPA) programs are actually second liens on your property — meaning they’re another small loan layered on top of your main mortgage. Some are forgivable over time, and some have to be repaid when you sell or refinance.

    Also, the “first-time homebuyer program” isn’t one single loan type — it’s an add-on option that can be used with loans like FHA, VA, USDA, or Conventional. It usually offers perks like lower interest rates or reduced mortgage insurance, but it’s not its own standalone loan.

    I’m 100% open to exploring these if it makes sense for your situation — I just want you to understand the fine print before we go chasing “free money” that comes with strings attached.

  • I don’t charge you a dime.

    I’m paid by the lender after your loan closes — similar to how a real estate agent is paid by the seller.

    My job is to shop the best rates and programs for you, not to push one bank’s agenda. You get options, transparency, and strategy — all without paying me directly.