Whether it's your first home, an ADU-income property, or your next investment, I help you find the loan that actually fits — and walk you through every step in plain English. No jargon, no pressure.
An ADU — a granny flat, casita, or converted garage — can generate real rental income. And with the right loan program, that projected ADU rent can help you qualify for the home, not just cash-flow it later. It's one of the most powerful (and overlooked) tools for California buyers and investors.
ADU rental-income eligibility and calculation vary by loan program and are subject to guidelines and property eligibility. Ask me for the details on your specific scenario.
Through NEXA Mortgage — the nation's largest mortgage brokerage — I shop your loan across many lenders to find the right fit. A few of the paths available:
Use projected ADU rental income to help you qualify — buy an ADU home, house-hack, or add one. Big for CA.
Low-down-payment programs and a step-by-step guide to your first home — built for people who've never done this before.
Flexible credit guidelines and a low down payment — a popular path for first-time and returning buyers alike.
For eligible veterans, active-duty service members, and surviving spouses — no down payment required for those who qualify.
No-down-payment financing for eligible homes in qualifying rural and suburban areas.
Low-down conventional options (including HomeReady® and Home Possible®) for qualified buyers.
CalHFA first-time-buyer and down-payment-assistance programs for eligible California buyers.
Qualify on your real cash flow — bank-statement and alternative-income options for business owners and 1099 earners.
DSCR & rental-property financing that qualifies on the property, not your income. See my investor brand, DSCR Insider.
*0% down for those who meet eligibility requirements. All programs subject to credit approval and program guidelines. Down-payment figures are program minimums, not an offer of terms.
I spent nearly two decades inside the mortgage industry — loan servicing, processing, underwriting management, and commercial lending — before becoming a loan officer. I understand how a loan is really built, underwritten, and closed, and I put that experience to work for you. Straight answers, real options, and someone who'll tell you the truth about your file.
A bank offers you their loan. As a broker with NEXA, I compare many lenders to find the one that fits your situation — which can mean more options for your credit, income, and goals. One conversation, many doors.
Four simple steps — I handle the heavy lifting.
Share your goals and the home you have in mind. Start online in minutes.
I review programs across many lenders to find the best fit for your situation.
Your options explained in plain English — no jargon, no pressure.
I guide you through every step, from application to keys in hand.
Start your secure application online, or send me your scenario and I'll tell you what's possible.