For referral partners
For Real Estate Agents
Your buyer got declined and the clock is running. That is the call I want. I write the files a single-lender shop cannot.
Most of your deals close fine. This page is about the ones that do not.
The call I actually want
Your buyer is self-employed and the bank says their income is $41,000 when you both know they made three times that. Or the appraisal came in low. Or the lender went quiet at day 25 of a 30-day escrow. Or your investor client already has four mortgages and the bank has stopped counting.
Those are the files I write. Not as a favor — that is the business.
Why I can say yes when others cannot
I spent seventeen years inside JPMorgan Chase, most of it taking applications and the last three running a home lending team. A bank has one shelf. When your buyer does not fit it, the only route is an exception, and exceptions are rationed.
I compare 175+ lenders on every file. A no from one is information about where to send it next, not the end of your escrow.
What that covers, specifically
- Self-employed buyers — bank statement, 1099, P&L-only and asset depletion
- Investors — DSCR qualified on rent, in an LLC, with no cap on how many they own
- Credit from the 500s — home equity agreements and FHA down to 500 with 10% down
- Unusual property — manufactured, barndominium, pre-1976
- 62 and older — reverse mortgage and HECM for purchase, which lets a retiree buy with roughly half down and no monthly payment
- Bridge — buy before you sell, so your client makes a non-contingent offer
What I do for your listings
Seller-paid buydowns. In a slower market a 2-1 buydown often moves a listing better than a price cut, and costs the seller less. I will run both numbers for any listing you have and put them on a flyer with the payment at each scenario.
Real payment numbers on your open house materials. Not "call for details" — the actual monthly figure at three down-payment levels.
Same-day pre-approval on clean files, and a straight answer on the rest. If a buyer is not going to qualify, you will hear it from me on day one instead of day twenty.
What I ask for
Nothing. No exclusivity, no co-marketing fee, no referral agreement, no minimum.
Send me a file when one is stuck. If I am useful you will send another, and if I am not you will not. That is the arrangement.
The part the law requires
I cannot pay you for referrals and I will never offer to. RESPA prohibits it, and anyone who offers you a kickback is telling you something about how they run their business. Co-marketing is allowed when each side pays its own fair share, and that is how I do it.
Where I work
32 states, so a client relocating out of your market is still a deal you can refer rather than lose. The full list is on my licensing page.
I live in Yorba Linda and know North Orange County street by street, but a good half of my volume is out of state.
Send me a file
Or just save my number: (714) 713-3133. Text me the situation and I will tell you within the hour whether it is workable.
Get a free rate quote.
No application. No credit pull. A written comparison across 175+ lenders, with the APR on each.
Let's talk
Questions people ask
What kind of files should I send you?
The ones that make your usual lender go quiet: self-employed borrowers, investors, anyone with write-offs, foreign nationals, unusual property, credit in the 500s and 600s, or a deal that just fell out two weeks before closing.
How fast can you pre-approve someone?
Same day on a straightforward file, and I will tell you honestly when it is not straightforward. You get a real answer rather than a maybe that wastes two weeks of your escrow.
Do you take listing appointments or co-market?
Yes. Open house flyers with real payment numbers, buydown scenarios for your listings, and joint seminars. I do not charge you for any of it and I do not ask for exclusivity.
Will you call my client back?
You get my mobile number, not a queue. So does your client. That is the whole point of working with one person instead of a call center.
What states can you work in?
32 states. If your deal is outside my license I will tell you in one message rather than sitting on it.
Let’s look at your numbers
Fifteen minutes. Your real numbers. No pressure.
Call or text my cell, or book a time. You’ll get a written comparison with real terms and an APR on every option, and if your current deal already wins, I’ll tell you.