Whether you're refinancing, buying an investment property, or exploring a legacy reverse mortgage, I bring over 27 years of lending experience to the table. My process is clear, hands-on, and built around your unique goals. I don’t use sales tactics — just smart strategy, customized solutions, and real results.
This isn’t one-size-fits-all lending. Whether you're looking at NON-QM loans or legacy reverse mortgages, I create a personalized plan based on your property type, income situation, and long-term objectives. I’ll walk you through all your options so you can make confident decisions — and close with clarity and speed.
We’ll start with a goal-focused call or meeting where I’ll learn more about your financial picture and what you're hoping to achieve — equity access, improved cash flow, downsizing, or long-term wealth.
​Know Where You Stand Before You Start
If you're 62 or older and own your home, chances are you qualify. I also look at your home’s appraised value, your equity, and any remaining mortgage balance to see how much cash you can access.
Yes — that’s one of the biggest advantages. You can tap into your home equity without taking on monthly payments. Repayment usually isn’t due until you sell, move out, or pass away. It’s a flexible way to increase your cash flow in retirement.
The amount depends on your age, current interest rates, and how much your home is worth. I’ll walk you through a personalized estimate in our consultation so you’ll know what to expect from the start.
Yes, they’ll have the option to repay the reverse mortgage balance and keep the home — or sell the property and keep any remaining equity. I’ll explain the inheritance options so you can plan with peace of mind.
Like any loan, reverse mortgages have fees — but many of them can be rolled into the loan itself. I’ll give you a full breakdown so you can see the net benefit of the program.
A NON-QM (non-qualified mortgage) loan is for borrowers who don’t meet traditional loan requirements — like self-employed buyers, retirees, investors, or those with high assets but non-standard income. If banks have told you no, I’ll show you another path.
Absolutely. These loans often use alternative documentation like bank statements, asset depletion, or rental income. I’ll help you gather what’s needed to qualify with confidence.
Most investment property loans require 20–25% down, but there are exceptions. I work with a wide range of lenders and know where to look for more flexible options that still make financial sense.
Not at all. NON-QM financing can work for both primary residences and second homes, depending on your situation. We’ll discuss your goals and choose the right program for your property type.
Sometimes — but not always. While NON-QM loans may carry slightly higher rates, I focus on overall affordability and long-term value. The goal is to get you approved for the right loan with terms that support your future plans.
Whether you're buying, investing, refinancing, or exploring a legacy reverse mortgage, I’m here to help you move forward with clarity and confidence. Let’s start with a simple conversation and build a plan that works for you.
Jet Direct Mortgage © 2025. All Rights Reserved. Alabama Consumer Credit License - License/Registration #22632; Arizona Mortgage Banker License - Lic/Reg#:1040763; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act - #41DBO-81230; Colorado Mortgage Company Registration #LMB100014791; Connecticut Mortgage Lender License #20333; Delaware Lender License - License/Registration #032943; Florida Mortgage Lender Servicer License #MLD357; Licensed by the Georgia Department of Banking and Finance Company License Company - License #64345; Illinois Residential Mortgage License - Lic/Reg#:MB.6850070; Indiana DFI Mortgage Lending License No. 59981; Maine Supervised Lender License No. SLM9525; Maryland Mortgage Lender License #17365; MA Mortgage Lender License #ML3542; Michigan 1st Mortgage Broker/Lender/Servicer Registrant #FL10015703; Licensed Residential Mortgage Lender NJ Dept of Banking & Insurance #3542; New Mexico Mortgage Loan Company License 3542; Licensed Mortgage Banker NYS Department of Financial Services #B500903 – NMLS#3542; North Carolina Mortgage Lender License L-180193; Ohio Mortgage Broker Act Mortgage Banker Exemption # MBMB.850088.000; Oregon: State of Oregon ML-3542; Pennsylvania Mortgage Lender License No. 47421; South Carolina-BFI Mortgage Lender / Servicer License MLS–3542; Tennessee Mortgage License - License/Registration #17365; Texas – SML Mortgage Banker Registration; Virginia License/Registration # MC-4985; Washington Department of Financial Institutions, Consumer Loan Company License CL-3542; Wisconsin - Mortgage Banker License, #ML3542;
​Service areas:Long Island|NYC|CA|NC
NMLS: 3542 NMLS CONSUMER ACCESS​
