Strategic Government Lending

These aren't "starter loans."
They are wealth-building tools.

Too many lenders treat VA and FHA loans as a "last resort." I use them strategically to help you minimize down payments and maximize your buying power.

❌ The "Lazy Lender" Myth

Tells you Conventional is "better" because it's easier for them to process. Ignores the fact that FHA allows higher debt ratios and VA offers the best rates in the market.

✅ The Analyst Strategy

I run the "Total Cost of Ownership" analysis. Often, an FHA loan with MIP is actually *cheaper* monthly than a Conventional loan with high PMI. We let the math decide.

The Government Advantage

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The VA 'Residual' Test

Most lenders fail here. I calculate your 'Residual Income' first to maximize your tax-free allowances. Already used your VA loan? I help you restore entitlement to use it again.

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FHA Smart Entry

FHA isn't just for 'bad credit.' It allows for a higher Debt-to-Income ratio, giving you more buying power for the same monthly payment. Buy the bigger house now, refinance later.

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Multi-Unit Strategy

Did you know you can buy a 4-unit apartment building with just 3.5% down using FHA? Live in one unit, rent the other three, and live for free.

Run the Numbers

Compare your monthly payments across different loan types.

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Mortgage Calculator

Estimate P&I →

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Rent vs. Own

Analyze ROI →

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Cost of Waiting

See Appreciation →

Not sure which loan is best?

I'll compare Conventional, FHA, and VA side-by-side for you.

These aren't "starter loans." They are wealth-building tools.