MORTGAGE BROKER · CALIFORNIA & OREGON

I’ll give you my real number on day one.

I price your file the way an underwriter is going to read it — because for years, that was my job. The number I open with is the number I intend to close at.

$121M ORIGINATED, VERIFIABLE ON MODEX  ·  ~$750M PROCESSED  ·  234 LENDERS VIA LOAN FACTORY  ·  LICENSED IN CA + OR
THE BOOK

I don’t have a specialty. That’s deliberate.

Last year I closed first-time buyers, home equity, an FHA refinance, conventional investment properties, DSCR purchases and refinances, and a fix-and-flip.

That range is the point. When you have priced enough different files, you stop guessing about where a new one belongs.

WHO YOU ARE ACTUALLY TALKING TO

I used to be the reason loans didn’t close.

For several years I was a processor. My job was taking other people’s files through underwriting, which mostly meant finding out why they wouldn’t make it. Roughly $750 million in loans crossed my desk that way.

That is why my opening number tends to hold. I am not being optimistic, I am reading your file the way the underwriter is about to.