Can I get a mortgage with a low credit score?
Often, yes. FHA loans can work for credit scores starting at 580, and there are other paths depending on your situation. If your credit needs work first, I offer free credit coaching to build a realistic plan to get you mortgage-ready. Approval depends on a full review of your credit, income, and the program — nothing here is a guarantee.
I'm a first-time buyer and don't know where to start.
Start with a free, no-pressure call — no application required to begin. We'll talk through your goals, where your credit and finances stand, and your clear next steps. You'll leave with a plan.
Do you charge for a consultation?
No. The first conversation is always free, and there's no application required to book it.
What areas do you serve?
I'm licensed to serve homebuyers across Washington State, and I'm based in the Renton and Mukilteo area.
I'm self-employed. Can I still qualify?
Often, yes. There are bank-statement income and other flexible options designed for self-employed buyers whose tax returns don't tell the whole story. The right fit depends on your specific situation, which we can review together.
My credit needs work. How long until I'm ready to buy?
It varies by person — some buyers are ready in a few months, others take longer. The goal of credit coaching is a realistic, no-judgment roadmap based on where you actually are, so you know what to work on and roughly how long it may take. Timelines are estimates, not promises.
What loan programs do you offer?
FHA, VA, conventional, HomeReady, Home Possible, refinance options, and flexible bank-statement options for self-employed buyers. Which program fits best depends on your credit, income, and goals — that's what the call is for.
