I have been a full time loan officer in South Kitsap County for years. This is not a part time job or a hobby to me. I take my job and will take your transaction with total seriousness.

No matter what you need, I can help.

Do you wish to purchase your first home? Do you need to tap into the equity in a property you already own? Are your financial circumstanses a little unusual?

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All loan and property types.

FHA Mortgages

    Many thousands of families in America have used FHA loans to purchase their first home or subsequent homes. FHA loans are similar to VA loans in respect to credit and income requirements.

    The insurance on FHA loans is provided by the government, but the loans are not. Though little or no down payment is necessary, fair credit and sufficient income to repay the loan are requirements. While there is no maximum to the amount of income one may have in order to qualify for a FHA loan, it is important that your monthly housing payments (insurance, principal, interest, etc.) not exceed 29% of your monthly income and also that the loan not exceed the maximum allowed for your particular county. The 29% guideline was strictly enforced in the past but in more recent years, this and other guidelines have become more reasonable.

VA Mortgages

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Daneal's testimonials will be coming soon.

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