06/10/2026
If you're buying in a high-cost market and you've never had a lender sit down with you before the application, you're probably leaving money on the table.
Most buyers get one loan option. Maybe two. They sign off on a 30-year fixed because that's what they were handed, and nobody asked how long they actually plan to stay in the home.
My process is different. Before anything goes to underwriting, we have a real conversation. Goals, timeline, what the payment needs to look like five years from now. That one conversation is what determines whether a fixed or an ARM actually makes sense for your situation. Then I put three options in front of you with the break-even math on each one so you can see the full picture.
A 7-year ARM on a home you plan to sell or refinance in five years can save you real money. A 30-year fixed on a home you're in for the long haul protects you from rate movement down the road. The right answer depends entirely on your plan, not the current market.
My whole practice runs on referrals. No ads, no cold outreach. Every client comes through someone who trusted me enough to send someone they care about. That means my only job is to make sure the structure I put you in is the right one for your life.
If that's the kind of process you've been looking for, drop a comment or send me a message and we'll set up a quick call.
