For financial advisors

Most of my referrals now come from financial advisors, and it's the part of my practice I've built most deliberately. The reason is simple: a mortgage is the largest line on the balance sheet you built for your client, and it should be planned with you rather than around you.

How the partnership works

You introduce a client. I educate them through the Mortgage Masterclass, keep you in the loop at every decision point, and structure the loan so it supports the plan instead of competing with it. If "wait" is the right answer, I say so, and I tell you why. There are no referral fees in either direction, and no expectation of reciprocity. Some of my best advisor relationships have never sent me a client; they call me with questions, and their clients are better off for it.

What I bring to your practice

One lender for every state. I'm licensed in all 50, so a client relocating for a job, buying a second home in another state, or a child of a client buying their first place across the country is one phone call, not a search for a new name.

Options many planners haven't come across. Recasts instead of refinances. Physician loans that ignore deferred student debt. DSCR loans that qualify a rental on its own cash flow. Asset-depletion for a retiree with a large portfolio and little reportable income. HELOCs versus securities-backed lines. I'll walk you through how each one works, whether or not you have a client for it today.

A client who comes back understanding their loan. By the time we close, your client can explain their own Loan Estimate. That makes your next planning conversation easier.

A lender who calls you before the client does when something changes: a rate that makes a refinance worth modeling, an appraisal that came in low, an underwriting question that touches the plan.

A few of the situations I see most

• A veteran whose advisor recommended aggressive mortgage paydown, when the VA loan's terms made that the wrong priority.
• A business owner whose tax returns show little income but whose bank statements show plenty.
• A client buying before selling who needs a bridge structure that doesn't wreck the plan.
• A physician finishing residency who thinks homeownership is five years away.
• A client with a 3% mortgage who wants cash and is about to refinance the whole thing at today's rates.

Two ways to start

An intro call. Thirty minutes on video, peer to peer: what you do, what I do, and whether there's a natural fit. No deck. Book a time.

The Mortgage Conversation. About an hour, built for advisors rather than consumers. It covers how I work, the programs and options most planners haven't come across, and the decisions clients make with me that affect long-term planning: how much to put down, which term, rate versus points, when to recast instead of refinance, when a HELOC beats a securities-backed line, when to wait. Good for a team meeting or a study group; I bring the deck, you bring the questions. Ask me to schedule one.