I help families finance the home they're actually trying to build.
Licensed mortgage loan originator handling every kind of home loan — and a new-construction specialist on the real-estate side — serving the Santa Clarita Valley and greater Los Angeles County. Patient, plain-spoken, and focused on borrowers who want answers instead of pitches.
"Most borrowers I meet have already been pitched at, rate-shopped, and sent generic pre-approval letters. That's not how I work."
Three things that make my practice different.
Mortgage isn't a transaction in my view — it's a multi-decade decision dressed up as paperwork. The way I run the process reflects that.
Listen first, structure second
Before I price a loan, I want to understand your timeline, your family, your tolerance for risk, and what life looks like 5 years out. The loan structure follows from that — never the reverse.
Plain English, every time
No jargon walls, no industry-speak. If I can't explain why a particular structure makes sense for you in two sentences a non-lender would understand, I'm not doing my job.
Honest "no" beats convenient "yes"
If your current lender is offering you a better deal than I can, I'll tell you. If now isn't the right time to buy, I'll say it. The relationship is worth more than any single transaction.
New construction is my specialty — on the real-estate side.
On the loan side I’m full-service: purchase, refinance, first-time, move-up, jumbo, FHA/VA, self-employed, investor, and new-construction financing. My real-estate specialty is narrower and deliberate — I represent new-construction buyers across the SCV and Ventura County corridor.
Service area, primary focus ↓
Builder-lender comparisons. Phased draws. Rate-lock extensions stretched across a 6-to-9-month build. Price-out vs. buydown negotiation. Earnest-money structuring on a contract that won't close for nine months. It's a different skill set than resale loans — and most loan officers don't know the terrain.
If you're looking at a new build in the SCV or Ventura County corridor, I know the active inventory, the preferred-lender traps, the incentive math, and how to push back on the builder when the price-out doesn't pencil.
On the mortgage side I originate through American Family Funding, a division of American Pacific Mortgage Corporation (NMLS #1850) — one of the largest independent mortgage bankers in the country. That's a broad set of loan programs without the pressure of a retail bank script. On the real-estate side, my brokerage is Santa Clarita New Home Center, Inc. (CA DRE# 02227167) — a separate company from American Family Funding.
Husband, dad, and Santa Clarita through and through.
I live in Santa Clarita with my wife and our 8-month-old daughter. Before mortgage, I built and currently manage 360 Suites — a 4-building, 150+ office executive suite operation right here in town. That's where I learned the operator's side of real estate: leases, tenant pipelines, financial controls, and what it actually takes to keep a building full.
That operator's lens is part of why I think I'm useful on the lending side. I've sat across the desk from people making the biggest financial decisions of their lives. I know what stress looks like and how to take it down a notch with information, not pressure.
Want a real conversation about your scenario?
Three honest places to start, depending on where you are: take the 2-minute quiz, send me your Loan Estimate for a sanity check — or, if you already know what you want, jump straight to pre-approval.