World Home Loans · VA & Self-Employed Specialist
Vice President · Mortgage Loan Originator
NMLS #7020
Straight answers, fast closings and honest pricing for Veterans, self-employed borrowers and everyone in between.
I’m a VP at World Home Loans, a mission-driven brokerage built to give borrowers, especially Veterans, the respect, speed and savings they deserve. I explain every option in plain English and never push a loan that doesn’t fit. As a self-employed professional myself, I understand non-W-2 income firsthand.
Figures reflect World Home Loans team results.
Get My Preapproval →Licensed in 25 states plus Washington, DC. I work by phone, video and email wherever you are.
A VA focus, with options for nearly every situation.
For eligible Veterans, active-duty service members and certain surviving spouses. This is where I spend most of my time, and I’ll walk you through eligibility and benefits step by step.
Learn more ›Bank-statement and 1099 options that may let you qualify on deposits or 1099 income instead of tax-return income. I’m self-employed too, so I speak your language.
Learn more ›A common choice for borrowers with established credit, with a range of down payment options.
Learn more ›Government-insured financing with flexible credit and down payment guidelines.
Learn more ›For eligible properties in qualifying rural and suburban areas; income limits apply.
Learn more ›For loan amounts above the conforming limit in your county.
Learn more ›Change your rate or term, or tap equity, if the numbers actually make sense for you.
Learn more ›Not all borrowers will qualify. Programs and terms are subject to change.
Quick estimates to start the conversation. Not a quote or an offer.
Estimate a monthly payment based on home price, down payment, and loan term.
Get a rough idea of a price range based on your income, debts, and down payment.
See how a different rate or term might change your payment over time.
Estimate an FHA payment including the upfront mortgage insurance premium (financed into the loan) and annual mortgage insurance. Premium rates are set by HUD and can change; confirm current figures with me.
Estimate a VA payment including the VA funding fee (financed into the loan). Funding fee percentages are set by the VA and depend on down payment and prior use; some borrowers are exempt. Confirm your eligibility with me.
Results are estimates for illustration only and do not include all costs. They are not a loan offer, rate quote, or commitment to lend. Actual terms depend on credit, property, and program guidelines.
It depends on the loan program and your situation. Some programs allow lower down payments than many people expect, and others require more. We'll go over the options that may fit you.
A pre-qualification is a quick estimate based on information you provide. A pre-approval goes further: it involves reviewing your credit and documentation, which gives sellers more confidence in your offer. Neither one is a final loan approval.
Often, yes. Self-employed borrowers may qualify with traditional documentation or, in some cases, alternative programs such as bank-statement or 1099 loans. Let's talk about your income and paperwork.
An initial conversation doesn't require a credit check. When it's time for a pre-approval, a credit report is typically required. I'll let you know before anything is pulled.
I'm a licensed mortgage loan originator (NMLS #7020), and loans are originated through World Home Loans, NMLS #2726290.
Timelines vary depending on the loan type, property, and how quickly documents come in. I'll give you a realistic picture up front and keep you updated throughout.
Tell me what you’re working on and I’ll follow up personally, usually the same day.
Prefer to talk? Call (310) 936-4510.
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Irvine, CA 92618