I'm Steve — a loan officer who actually picks up the phone. Whether you're buying your first home or your fifth, I'll walk you through every step so you always know exactly what's happening.
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Before mortgages, I built and ran multiple businesses from the ground up. I know what it's like to take a big financial leap and hope everything works out. That experience shapes how I work with clients today: I'm direct, I'm responsive, and I don't leave you wondering what's going on.
When I'm not helping clients, you'll find me on the pickleball court, at the golf course, or spending time with my kids. I'm based in Virginia and work with buyers across the state.
Call me, text me, email me — I respond the same day. You won't be left wondering where your loan stands.
I'll explain everything in terms that actually make sense — no jargon, no confusing acronyms, no surprises.
I'll help you find the right loan for your situation — not just the one that's easiest for me to close.
I've built businesses and know how to solve problems fast. I bring that same energy to every deal.
From first call to closing day, here's what to expect.
We'll talk about your goals, timeline, and budget — no commitment, just clarity.
I'll get you a pre-approval letter so you can shop with confidence and make strong offers.
Work with your agent to find the right place. I'll be on standby for any financing questions.
I'll guide you through underwriting, handle the paperwork, and get you to the closing table.
Get a quick estimate of your monthly payment.
It depends on the loan type. VA loans for eligible veterans and active-duty military require 0% down — one of the best benefits available. FHA loans allow as little as 3.5% down, and some conventional programs start at 3%. We'll find the best option for your situation.
Absolutely — and I specialize in VA loans for military families in the Quantico area. Whether you're active duty, a veteran, or a surviving spouse, I'll walk you through the full VA loan process. No down payment, no PMI, and competitive rates. Let's talk about your eligibility and get you pre-approved.
Most conventional loans require a 620+ score, while FHA loans can go as low as 580. VA loans are flexible too — even if your score isn't perfect, there are often options. Let's talk about where you're at and what we can do.
Typically 30-45 days from application to closing, though it can be faster with quick document turnaround. I'll keep you updated every step of the way so you're never left guessing.
Pre-qualification is a quick estimate based on what you tell me. Pre-approval involves verifying your income and credit — it carries more weight with sellers and shows you're serious. In a competitive market like Northern Virginia, a strong pre-approval letter can make or break an offer.
It depends on how long you plan to stay in the home. I'll run the numbers with you and show you exactly when paying points makes sense vs. keeping cash in your pocket.
Usually: 2 years of tax returns, recent pay stubs, bank statements, and a valid ID. Self-employed? We'll need profit & loss statements too. VA loan applicants will also need their Certificate of Eligibility (COE) — I can help you get that. I'll send you a full checklist once we get started.
Let's talk about your goals and get you on the path to homeownership.