The amount you can qualify for depends on factors such as your income, debts, credit history, down payment and the property you’re purchasing. I can review your situation and help you understand your buying power before you start seriously shopping for a home.

Your minimum down payment depends on the purchase price and the type of property you're buying. There may also be programs and different financing options available depending on your situation. I’ll help you understand what applies to you and how much you should plan to have available.

There isn’t one credit score that applies to every mortgage. Your credit is important, but lenders also consider your income, debts, down payment and overall application. If your credit isn’t perfect, there may still be options available.

Yes. I work with a range of lenders and mortgage programs designed for different income situations, including self-employed borrowers. We’ll look at how your income can be documented and determine which lending options may be the best fit.

A decline from one bank doesn’t necessarily mean you’re out of options. Different lenders have different qualification guidelines. I can review why the application was declined and explore other lenders or mortgage solutions that may work for your situation.

For many standard residential mortgages, the lender pays the mortgage broker’s compensation, so there is typically no direct broker fee to the borrower. In some situations—such as certain alternative or private mortgages—fees may apply. Any applicable fees will be clearly explained before you proceed.