ABOUT ME

I’m a mortgage advisor, business owner, and student of strategy.

I specialize in residential financing — FHA, Conventional, VA, and Non-QM — and I work with homebuyers, homeowners, and real estate professionals who want clarity, not confusion.

My approach is simple: understand the full financial picture first, then structure the mortgage around the long-term plan. A loan is not just a rate and payment. It’s leverage. It’s tax positioning. It’s risk management. It’s timing.

Before I ever talk about products, I want to understand goals.
Are you building wealth?
Preserving liquidity?
Reducing tax exposure?
Planning your next move?

That’s where the real work begins.

I own AFM Lending, and I’m also an owner of Mi Casa Tax Advisors LLC. That dual perspective allows me to see both sides of the equation — financing and taxation — and help clients make decisions that make sense beyond closing day.

My business is built on relationships with serious real estate professionals, business owners, and families who value thoughtful planning. I don’t believe in hype. I believe in preparation, transparency, and follow-through.

Outside of work, I’m a husband, father, and lifelong learner. I study psychology, negotiation, and financial strategy because this business isn’t just about numbers — it’s about people making big decisions under pressure. My job is to bring structure and calm to that process.

If you’re looking for a mortgage professional who will look at the whole picture — not just the transaction — we should talk.