Whenever I start working with a new client, I like to kick things off with a Zoom call. It gives us a chance to enter their information into our system together and walk through the process step by step. During this call, I explain something important—I'm a mortgage broker, which means I work for the client, not the lender. I have access to over 270 different lenders, and my job is to find the best loan product that fits their unique qualifications.

We review their full application, including a credit pull, and I outline the documents needed to verify everything—income, assets, employment, and even military service if that applies. Once we have all the paperwork in, I can confidently issue a pre-approval letter that isn’t just a formality—it’s a green light to close. That kind of certainty matters to everyone involved.

I also coach clients on how to protect their approval status. That means no new debt, no draining your savings, and no career changes—especially switching from W-2 to 1099 income. My goal is to make sure they avoid missteps that could delay or derail their closing, and to support the professionals representing them—like their realtor—by keeping the deal on solid ground.

Finally, I share simple ways clients can protect their identity and peace of mind, like freezing their credit, registering on the Do Not Call list, and signing up at optoutprescreen.com to stop unwanted credit offers.