Where the answer is still yes.
The Banks
Said No.
Let's Run the Numbers.
Self-employed. Investors. ITIN. Crypto income. Complex files. If another lender gave up on you - I probably have a program they've never heard of. 140+ lenders. 400+ loan products. One broker who reviews every document before submission.
I read every document before it reaches a lender so there are no closing-day surprises. Including the ones other lenders said no to.
FOR THE FILES THAT don't fit a box.
If a big bank told you no - or a quote feels off - you're in the right place. I custom-tailor mortgage packages for buyers conventional underwriting wasn't built to serve.
Your first set of keys.
FHA, Conventional, USDA, VA, every state down-payment-assistance program. We map every dollar before you sign anything.
Bank statements > tax returns.
Bank Statement, P&L, 1099-Only loans for buyers whose Schedule C dramatically understates real income.
No SSN? No problem.
Real fixed-rate ITIN loans with down payments as low as 3.5%. Not predatory alternatives.
DSCR + portfolio scaling.
Qualify on rent, not your DTI. LLC vesting allowed. No conventional 10-property cap.
Lower the payment. Or pull cash.
Rate-and-term, cash-out, debt consolidation. We run the numbers honestly - sometimes the answer is 'don't.'
Send me your toughest file.
Pre-underwritten approvals, typically within 24 hours of a complete file. The deals other lenders kill - I close in 21 days.
I WATCH YOUR RATE for life.
Buy when you're ready. The day it's smart to refinance and save - often with little or no cash - I'll call you. You'll never leave money on the table, because someone's already watching.
HOW IT GOES.
Three steps. No black boxes. You see the work.
Pre-underwrite.
I run your file the way a real underwriter will. Catch the problem week one - not three days before closing.
Match to lender.
140+ lenders, each with different appetites. We pick the one that wants your file most. That's how rate gets sharp.
Close.
21-day average from contract to clear-to-close. I walk with you the whole way. No surprises at the table.
A REAL PERSON. Not an auto-dialer.
Four quick taps and your contact info. I'll reach out personally with real next steps for your situation - no spam, no robocalls, no "rates as low as" games. When we talk, I'll run your actual numbers.
WHAT'S IT really COST?
Move the sliders. The number on the right is your full monthly - principal, interest, taxes, insurance. No "starting at" gotchas.
What's it really cost?
Move the sliders. The number on the right is your full monthly - PITI.
- Principal & interest$2,483
- Taxes & insurance (est)$595
- Loan amount$378,000
Illustrative only. Taxes estimated at 1.3% of price annually, insurance at 0.4%. Actual rates depend on credit, income, property, and lender. Run real numbers in a 15-min call.
FIVE YEARS OF RENT. Or five years of equity.
Most renters lose more in five years than they'd put toward a down payment. Run your numbers. Then come talk.
Five years of rent - or five years of equity?
- Total cost of renting$202,289
- Net cost of owning$181,179
- Includes 7%/yr opportunity cost on down payment
Assumes 3% rent increases, 3% home appreciation, 1.3% property tax, 0.4% insurance, 1% maintenance, 7% investment return on down payment if invested instead. Your numbers will vary. Run them with me on a 15-min call.
BUY NOW. Refi when it's smart.
The play most buyers miss: get into the home now with a comfortable payment and a low down payment - then refinance to a lower rate when the market gives you the window. Free guide. The break-even math, the rate-watch, the playbook.
- ✓Why 'wait for the perfect rate' usually loses money
- ✓How little (or no) cash a smart refinance really takes
- ✓The break-even math, in plain English
- ✓How my free rate-watch keeps money in your pocket for life
Free. No spam. Unsubscribe anytime.
From Jon
"You're not a credit score. You're a family with a story. Let's tell it right."
"Jon is an amazing loan officer in Dallas - Fort Worth and surrounding areas. He's very diligent with clients. One client of mine had a difficult ITIN buyer file and Jon worked so hard and found him a loan even after other loan officers gave up on him. I have another buyer that was looking to purchase a mobile home that had been moved, as investment property and Jon found a lender for them too. Jon really takes helping people very much to heart and never seems to give up on striving to find solutions for people!"
Enyinna (Realtor) Fort Worth, TX
"Jon's a pleasure to work with and has great communication. He always ensures that his borrowers get the best deal they can get. Highly recommended."
- Krysten P., MI
"Jon was great. He made the whole process simple and painless. He always went above and beyond and had my best interest in mind. You can tell he cares not only about taking care of business but also building a trusted relationship with his clients. I knew I was in good hands throughout the whole process and couldn’t be happier. Thank you Jon!"
- Sonny W. Houston, TX
Book a 15-min call. I'll answer your specific questions about your specific file.
- · 21-day average close
- · 24-hour pre-approval
- · 140+ lender partners
- · NMLS# 2607503
No. Most of my buyers close with 5–10% down, and plenty go in with 3% and even 0%. We pick the loan program that gets you the lowest full monthly payment - not the one that pads my paycheck.
A soft pull won't move your score. When we're ready to lock, the bureaus group every mortgage inquiry inside a 45-day window as one. So shop. Run the numbers everywhere.
Yes. I work with 140+ lenders and 400+ products specifically because the big banks say 'no' to people they shouldn't. Bring me the file. Let me run the numbers.
Once your questionnaire's done and your documents are in, most folks get a clean pre-approval letter within 24 hours. And it's a real one - I pre-underwrite every file myself. Not the printable kind.
I'm paid by the lender, not by you. Every dollar of compensation is laid out on your loan estimate the day we lock. No surprises at closing - ever.
It's not if - it's when. We'll map your file 6, 12, 18 months out, fix what needs fixing, and when you're ready, we're off to the races.
Let's talk.
Fifteen minutes.
Bring me your file - even if three other brokers said no. We'll run the numbers, structure it right, and figure out the path. No pressure, no script.
Book a 15-min call
I'll review your situation and tell you straight what's possible. Same-day slots usually open.
Pick a timeApply online
Full secure application in ~12 minutes and document submission, if turned in before 12pm. I'll have a pre-approval letter in your inbox tomorrow morning.
Start application