Licensed mortgage broker · NMLS 1248213
We’ll compare your credit profile, income, obligations and documents to show available mortgage routes. Final terms depend on the lender, program, property and application review.
Services
Jumbo mortgageLooking for a high-end property? We’ll compare available Jumbo options, the complete payment and lender requirements for your situation.Read more →
Mortgages for immigrantsGuidance for people who recently moved to the USA: we’ll review credit history, documents and available options without promising approval.Read more →
Mortgage for retireesFor clients in retirement — with an existing mortgage or exploring a new one. We’ll review options based on income, obligations, the property and lender rules.Read more →
Refinance optionsAlready have a mortgage? We’ll compare payment, debt-consolidation and cash-access scenarios. Savings and availability depend on a new application and transaction costs.Free consultation →
About me
In 1997, together with my family, I moved to San Francisco from Ukraine to build a better life in America. My parents, entrepreneurs themselves, taught me the skills and dedication it takes to run a successful business — and to put clients first.
In 2014, after a short stint in Silicon Valley, I began working in the mortgage field and haven’t looked back since.
Lender partners
We compare programs from more than 60 lending partners. Availability, rate, points, credits and requirements are determined for each application.
Free consultation
We’ll answer questions and prepare a preliminary estimate. A credit check occurs only with your authorization and may affect your credit score depending on the type of inquiry.
A preliminary financial-profile review
Comparison of available mortgage programs
An estimated complete monthly paymentMedia
Coverage
Compare 12 states by market context, buyer goals, complete payment, programs, and address-specific risks.
Process
Client stories
Identifying details have been changed. A working family with good credit did not have enough saved for the down payment. The team checked a program available at the time and calculated the complete payment, including taxes and insurance, before moving forward. The result depended on program rules, income, debts and the property at the time of the transaction.
Identifying details have been changed. The buyer needed a new home but had limited funds for the down payment and closing costs. The team compared FHA, an allowable seller credit and an assistance program available at the time. Program rules, limits and availability must be checked again for every client.
Identifying details have been changed. The household combined private-practice income with a short salaried-employment history. After reviewing the documents, the team considered a bank-statement income program and joint qualification. This approach is not suitable for everyone and depends on lender rules, reserves and the property.
Identifying details have been changed. For a Jumbo-range purchase, the family did not have a standard down payment available and could not quickly use some assets. The team compared a combined structure with a HELOC and calculated the complete payment, including taxes and HOA. Eligibility for this structure depends on the lender, property and financial profile.
Identifying details have been changed. The buyer chose a shorter term instead of a standard 30-year mortgage and put more than 20% down, allowing the team to consider an option without mortgage insurance. The team compared the term, payment and total cost. Rates and results depend on the market and borrower profile at application.
Identifying details have been changed. For a premium property, the buyers planned a large down payment from multiple documented asset sources. The team coordinated source-of-funds documentation early and compared Jumbo options across partners. Final terms always depend on the market, lender, property and document review.
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Answers to our clients’ most common questions
Broker compensation, fees and possible transaction costs depend on the selected loan and are disclosed in the documents before closing. The initial consultation is free and does not require an application.
Low- or zero-down-payment programs exist, but they are not available to everyone. We check state, county, income, property type, lender, funding and current rules before an application.
It depends on price, rent, expenses, taxes, insurance, liquidity and your goals. We can model financing scenarios, but an investment decision requires a separate risk review.
Timing depends on the lender, program, document readiness, appraisal, insurance and other transaction participants. A preliminary schedule is reviewed for the specific application and is not a guaranteed closing date.
Blog
I share useful tips about different mortgage programs, ways to save on interest, and other tricks.
The initial consultation is free and carries no obligation. Broker compensation, fees and transaction costs for a specific loan are disclosed separately.
