We start with a 30-minute discovery call to review your income, timeline, and long-term goals. From there I’ll compare fixed, variable, and hybrid rates—then walk you through the pros and cons of each option so you can make an informed choice

Even with a sub-700 score you have options. I’ll connect you with lenders who specialize in credit-rebuild mortgages and outline steps you can take today to improve your rate over time.

I offer everything from single-topic deep dives (e.g. a one-off mortgage review or insurance audit) to full-service, ongoing financial-planning retainers. We’ll discuss your priorities and budget up front so you get exactly the level of support you need.

Absolutely. By rolling high-interest credit-card and personal-loan balances into a single, lower-rate mortgage advance or line of credit, many clients save hundreds each month. I’ll run the numbers and map out a clear payoff schedule.

You’ll get regular check-in calls or video meetings after each milestone, concise email summaries outlining next steps, and direct access via phone or messaging for any questions in between.