Who We Serve

Every borrower's story is different. Here's how I help.

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I don't start with a product. I start with you.

Whether you're buying your first home, running your own business, moving up or moving to Florida, or taking a fresh look at the loan you already have, I dig into your situation to find the loan that fits.

Across Florida

Serving clients across Florida

I'm based in Venice, and my clients are all over the state, from the Panhandle to the Keys. Wherever you're buying or refinancing in Florida, I can help.

Illustrative map of Florida with about 1,600 gold pins, heaviest around Venice, Sarasota and Fort Myers, with large clusters in Orlando and smaller ones in Gainesville, Jacksonville, Dunedin and the Panhandle including Destin. — Illustrative of 30 years of closings.

Bright living room with a white sofa and a gold side table

My passion

First-Time Homebuyers

Through my own kids, the Venice High boosters and my work around Venice, I've seen how hard it is for young people to buy that first home. Where other lenders say "come back later," I work with you to get ready, sometimes over months or even years.

We'll build your credit, set a realistic budget (taxes, insurance and closing costs included) and map out a step-by-step plan with check-ins along the way. I can start with a soft credit pull, and we'll look at FHA, conventional and down payment assistance programs that may fit.

My specialty

Business Owners & Self-Employed

You built something of your own, and your mortgage should reflect it. Too often, long-time business owners get pushed into higher-rate non-conforming loans just because they don't have W-2s. I love that puzzle: multiple years of returns, multiple income streams, write-offs and all.

Having worked as an underwriter myself, I know what questions are coming. We'll review your returns together before you apply and work toward a conforming loan whenever possible, with bank-statement, asset-based and portfolio options if conforming isn't the right fit.

Your next chapter

Move-Up, Second-Home & Relocating Buyers

Whether you're moving up, adding a second home or relocating to Florida, the right loan depends on your timing, your equity and your plans. I'll help you line up the pieces so the move feels simple, including buying before you sell when bridge financing fits.

Jumbo and condo loans, second homes and investment properties, and full or partial renovation loans are all on the table. New to Florida? I'll walk you through 4-point and wind mitigation inspections, flood insurance questions and the homestead exemption.

A second look

Homeowners: Refinance & Home Equity

Your mortgage should keep up with your life. Let's touch base from time to time with a mortgage health check, and make sure your loan still fits, whether that means improving your current terms, using equity for improvements or planning your next move.

We'll compare refinancing, a home equity line of credit and a fixed-rate second mortgage side by side. Already have a loan with someone else? Many homeowners come to me for a second look, and there's never any obligation to make a change.

Financing options available

ConventionalFHAVANon-QMHome equityReverse mortgage

I work with a wide range of loan types beyond those featured. If you don't see yours, ask.

Compare loan options

Ready to get started with a Smarti solution?

The pre-application is the first step to working with me. It takes a few minutes and your information is secure.

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Already working with me?

Your secure portal is the preferred way to upload documents and keep your loan moving. It's more secure than email.

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Still have questions?

Let's talk it through.

Call or Text (941) 705-2369