Individual NMLS License · CA
Select a Loan Program
I hold an individual mortgage loan originator license in California (NMLS #2751970); verify current status on NMLS Consumer Access. Each program below links to its dedicated guide in the network.
California Conventional Loans
Standard mortgage financing for purchasing or refinancing primary, secondary, and investment properties.
Read the California guide on humancontact.mortgage
California HELOC (Home Equity Line of Credit)
Unlock your home's equity without touching your low primary mortgage rate.
Read the California guide on heloc.cash
California Reverse Mortgages (HECM)
FHA-insured loans allowing homeowners 62+ to convert equity into cash without required monthly mortgage payments.
Read the California guide on hecm.cash
California DSCR Investment Loans
Debt Service Coverage Ratio loans for real estate investors based on property cash flow, not personal income.
Read the California guide on mydscr.cash
Free, official help in California
Independent of any lender. Worth a look before you talk to anyone, including me.
- California Housing Finance Agency (CalHFA) — the state housing finance agency: down-payment assistance, first-time buyer programs and income limits.
- HUD-approved housing counselors in California — free or low-cost, independent of any lender.
- HUD in California — federal programs and the local field office.
- MyHome Assistance Program — California Housing Finance Agency (CalHFA) program.
- CalPLUS FHA with ZIP — California Housing Finance Agency (CalHFA) program.
- Dream For All Shared Appreciation Loan — California Housing Finance Agency (CalHFA) program.