The wholesale advantage.
One lender. Every bank's best offer.
Whether it's your first home or your next investment property, I shop your file across dozens of lenders instead of handing you one bank's single answer, giving you the same edge every time.
The Readiness Compass
Where do you stand today?
A few honest questions, then your personalized results. No obligation, ever.
Where should we send your results?
Takes ten seconds. We'll never spam you.
Negotiated hard. Closed fast.
Complex income, tight timelines, deals other lenders passed on. This is where the real work happens, and where I do my best work.
Negotiates every file
As a wholesale broker, I shop your file across lenders and push for terms most buyers never think to ask for.
Closes on tight timelines
When a deadline matters, I build the process to hit it. Fast turnarounds, without cutting corners.
Solves what others can't
Complex income, unique credit, files other lenders passed on. I find the path other people miss.
One calculator, everything you need
Whether you're buying, refinancing, or tapping equity, run the numbers right here. Rough estimates to start the conversation, not a quote.
Estimated payment
principal & interest, per month
Excludes taxes, insurance, and HOA dues, which vary by property and location.
Estimated value range
based on your state's typical price per square foot
A real number accounts for your specific lot, upgrades, and recent comparable sales. This is a starting point, not an appraisal.
Estimated cash available
at a typical 80% max loan-to-value
Actual available cash-out varies by loan program, credit, and property type.
Yours, freely.
The Mortgage Preparation Guide
Eleven pages that walk you through exactly what lenders look for, in the order they look for it, so nothing about your application catches you off guard.
- What actually moves your credit score in the 90 days before applying
- The income documents each program requires, laid out by lender type
- How much you truly need saved beyond the down payment
- A pre-application checklist you can complete in one sitting
Your email is only used to send the guide and occasional mortgage tips.
The path from here to keys in hand
Once you're ready to move, here is exactly what the process looks like. No surprises along the way.
Learn
Work through the free guide and the Readiness Compass above, at your own pace, with zero pressure.
Assess
We talk through your specific situation on a short call and identify which program actually fits you.
Apply
I shop your file across wholesale lenders and negotiate every term, never settling for the first offer.
Close
We close on your timeline, not someone else's, even when the deadline is tight.
What people actually ask before they call
No pressure, no jargon, just the honest answers.
A bank can only offer you its own rates and its own rules. I'm a wholesale broker, which means I shop your file across a range of lenders and bring back the terms that actually fit your situation, instead of whatever one institution happens to be offering that week.
No. An initial conversation and rate estimate uses a soft pull, which doesn't affect your score at all. A hard credit inquiry only happens once you're ready to move forward with an actual application, and I'll always tell you before that happens.
It doesn't rule you out. Between FHA, Non-QM, and other alternative programs, there's usually a path forward even with a less-than-perfect score. The Readiness Compass above will give you an honest read, and we can talk through exactly what to work on if timing isn't right yet.
Not necessarily. Conventional loans can go as low as 3–5% down for qualifying buyers, and VA loans can mean 0% down for eligible veterans. Twenty percent avoids mortgage insurance, but it's rarely a requirement to get started.
Most purchases close in 30 to 45 days from a signed contract, and refinances can move a bit faster. The exact timeline depends on your program and how quickly documentation comes together, which is exactly what the pre-approval checklist above is built to speed up.
Nothing you don't choose. You'll see your results and an honest read on where you stand, with an open invitation to book a free call if you want to talk through next steps. There's no follow-up pressure if you're not ready yet.
I've closed loans other lenders turned down, negotiated terms they said weren't on the table, and hit deadlines everyone thought were too tight. That's not luck. That's the job.Maria Gomez Licensed Loan Officer, NMLS #2114622
Ready to talk it through?
Fifteen minutes, no obligation. Bring your questions. I'll bring the answers, and an honest read on what's realistic for you.