Let's talk.
Fill out the form below and I'll be in touch within one business day. No pressure — just a real conversation about your options.
From your first message to your closing day.
You don't need to know what loan program you want, what your credit looks like, or how much you can afford. That's what the first call is for. The goal of the conversation is to give you a clear picture of where you stand and what your real options are — not to push you into an application before you're ready.
- Step 1
A short conversation
Fifteen to twenty minutes by phone or video. We talk about your timeline, what you're trying to do, and what numbers actually matter for your situation. No commitments, no applications.
- Step 2
Strategy and numbers
I run scenarios — VA vs. conventional, 5% vs. 20% down, today vs. waiting six months. You see the math behind each path, including monthly payment, cash to close, and lifetime cost, before deciding what to do next.
- Step 3
Pre-approval, when you're ready
If and when you decide to move forward, the formal application takes about fifteen minutes through ALCOVA HomeHub. You'll get a pre-approval letter that real estate agents and sellers take seriously — not the generic kind that wastes everyone's time.
What to share when you reach out.
None of this is required to send a message — but the more context you share up front, the more useful the first call will be. If any of these apply to you, mention them in the form:
- Veteran status or active-duty service.If you're VA-eligible, that changes the conversation entirely. PCS orders, Certificate of Eligibility status, and disability rating all matter.
- Timeline. Buying in 30 days, three months, or sometime next year? Each of those is a different conversation.
- Where you're looking. A specific city, a corridor, or relocating from out of state. Local market dynamics matter as much as the loan program.
- What you've been told before.If another lender pre-approved you, denied you, or quoted you a rate that didn't feel right, share what happened. Often there's a better path that nobody walked you through.
- Self-employed or non-W-2 income.Bank statement, 1099, DSCR, asset-depletion — there are real programs for this. Mention how you earn so we don't waste time on pathways that won't work.
Response time is one business day. If you're on a tighter timeline — under contract, PCS orders received, a closing date that's already locked — say so in the message and I'll prioritize it.
