1
Oscar 🐾
Kevin's co-pilot · Usually replies fast
First home, fifth rental, or a 1099 income that confuses the bank — I've got a lender for it.
A pre-approval from me means your loan has been priced across 150+ lenders, not just one. You walk into every offer prepared, quick to move, and confident in your numbers.
Banks compete against each other for customers. I make lenders compete for your loan — that competition is how you get more options and sharper pricing.
Rates moved, your credit improved, or life changed — a refi can lower your payment, shorten your term, or both. I'll show you the full break-even picture before you decide anything.
I calculate your full break-even in dollars — not just the new rate — so you know exactly when a refi pays for itself.
Central Ohio home values have climbed. A cash-out refi lets you tap that equity at mortgage rates — typically far lower than personal loans or credit cards.
Rolling high-interest card balances into a mortgage can free up real monthly cash flow. I'll model it with your actual balances.
A HELOC gives you a revolving line of credit backed by your home — draw what you need, pay interest only on what you use, and leave your existing first mortgage untouched.
Don't pick a product before running the numbers. I compare HELOC, home equity loan, and cash-out refi so you see the total cost of each path.
Government-backed and built to help more buyers qualify — lower down payment, more flexible credit, and competitive rates shopped across my whole network.
FHA pricing varies a lot from lender to lender. I compare them to find the strongest rate-plus-MIP combination for your profile.
USDA Rural Development loans offer 100% financing for eligible buyers in qualifying areas — including many suburbs and small towns around Columbus and parts of Delaware County.
Parts of Lewis Center, Sunbury, Marysville and other Delaware County areas can qualify. Send me the address and I'll check it.
Jumbo loans get more underwriting scrutiny — exactly where having 150+ lenders in your corner matters most. I match the product to your assets, income type, and property.
Jumbo pricing isn't posted publicly like conforming rates. The spread between lenders can be significant — and I negotiate it.
DSCR loans qualify investment properties on rent versus payment — no personal income verification. Built for investors who write off everything.
Multiple DSCR lenders, including programs that use projected short-term rental income. Scale your portfolio faster.
Business owners, freelancers, 1099 contractors, foreign nationals, ITIN holders — if you don't fit the W-2 box, I find the documentation path that does fit.
I review your documents first, then match you to lenders whose programs fit — so you're never applying blind and hoping.
Through Edge Home Finance, LLC, your loan can be priced with lenders including:
When you walk into a bank, you get that bank's menu. I know, because I spent years on the other side of that counter. When you call me, the whole wholesale market goes to work for you.
Your goals, your timeline, your situation. I ask the questions banks skip — that's where better outcomes start.
15 minutesRate, program, fees, terms. I run your profile across my network and bring back your best options — side by side.
Side-by-side optionsNo pressure. Once you pick, I manage the file — docs, appraisal, underwriting, title. You hear from me, not a 1-800 number.
Updates every stepClosing gets scheduled, you sign, you get your keys. And I'm still here for every rate check after.
Keys in handIf you've built equity in your home, a cash-out refinance or HELOC can roll high-interest credit cards and loans into one monthly payment, usually at a lower interest rate than credit cards.
Consolidating debt into a loan secured by your home may increase the total interest you pay over time, and your home is collateral for the loan. Rates, terms and eligibility are subject to underwriting approval.
One conversation is free and fast. Let's see what 150+ lenders can do for you.