Each engagement begins the same way: we listen, we compare every suitable program in writing, and we recommend only what serves your interests. The programs below form the foundation of our residential practice.
For borrowers of sound credit, conventional financing remains the most economical path to ownership. We attend particularly to the total cost of capital over the life of the loan — not merely the advertised rate.
We hold no snobbery about government-insured lending; some of our longest client relationships began with an FHA loan. It is a sensible instrument for those early in their financial lives, and we administer it with full ceremony.
The VA benefit is, in our judgment, the finest lending program in the country — and it is administered too often with carelessness. Our bankers handle the Certificate of Eligibility, the appraisal particulars, and the funding fee counsel personally.
Significant properties call for underwriting that comprehends trusts, partnership distributions, and income earned across jurisdictions. This is the work our firm was built for, and where our correspondent relationships prove most valuable.
A refinance is a mathematical question, and we treat it as one. Every proposal includes a break-even analysis in writing. When restructuring does not serve you, we advise against it — and have done so more times than we can count.
Your first mortgage should be a tutorial, not a trial. We pair first-time purchasers with assistance programs where available, explain each document before it is signed, and remain your firm long after the closing dinner.
One application, every suitable program compared in writing, and a candid recommendation. There is no fee and no obligation for this counsel.
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