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Are you ready to think bigger with your real estate?

A home purchase can be exciting and confusing at the same time. Our time together will provide the information your brain needs to feel clear, allowing your heart to guide your choice of the right property. Only when both the brain and heart align, can we confidently take a step forward.

The first step is to schedule 10-15 quality minutes over the phone.

Schedule an AppointmentStart an Application

Steps to Success

  1. Identify your Goals
  2. Discuss Your Purchasing Power
  3. Settle on a Comfortable Down Payment and Monthly Payment
  4. Identify Appropriate Real Estate Search Criteria
  5. Outline Several Strategies to Achieve your Goals
  6. Eliminate Options that don’t Work
  7. Help you make a Confident Choice

Financing Road Map


We believe education is the key to freedom and doing it right the first time is the only way to do it. We have Best-In-Class service awards and we invite you to experience it for yourself. Our team shines and ensures you are informed every step of the way.

  • When you’re ready, you can complete the application questionnaire here or we can knock it out together over the phone.
  • I will plan your specific homework list so we ask for everything we need and nothing we don’t. Our system provides a secure upload to protect your personal information.
  • My team and I will diligently identify potential pitfalls and present strategies to solidify your Pre-Approval.
  • Your Pre-Approval Letter demonstrates to a Seller you are ready and able to buy. My process includes a detailed conversation with the seller’s agent where I confirm how well-prepared and qualified you are.


My team will work diligently to ensure you have a seamless loan process. There are lots of moving parts, key dates and various people involved. We will manage this timeline on your behalf. In addition to automated milestone updates, I will call you each week with updates on your loan, so you can be assured your loan will close on time.

  • Once you find your perfect-fit home your Agent will send us your contract.
  • Our team will prepare the loan disclosures for you to complete using our easy e-sign technology within the secure portal.


Processing verifies all components of your application as early as possible so your loan application can be approved quickly.

  • Once your home inspection negotiation is solidified, we will order your appraisal.
  • We may need to request additional/updated documentation. Please work closely with us to supply these documents as quickly as you can.
  • After your documentation has been verified and we receive your appraisal and title report, your application will move to Underwriting.


Our Underwriting team will complete their review of your application to provide final approval.

  • We may request clarification documentation at this step.


In this final step you will sign your loan documents with your Escrow Officer at the title company.

  • The Escrow Officer will advise you where to send your closing funds.
  • Universal Lending funds your new mortgage.
  • Your new deed is recorded with the County Assessor’s Office.
  • You did it… you bought a house! Congratulations!

FOREVER Your Trusted Advisor

After your on-time loan closing, we will continue to track and monitor your loan term, loan program and interest rate so you can rest assured you are positioned in the best place possible through all market cycles. Should we see an opportunity to enhance your current financial position, we will be in touch immediately.

Get Started Today!