Buying a home? Let’s figure out what makes sense for your situation.
Whether you’re just starting to look or already under contract, the first step is the same: understanding your numbers, your timeline, and which loan program actually fits. No pitch. No pressure. Just information.
🎖️ Veterans & Active Military
VA loans with no down payment, no PMI, and no county loan limits with full entitlement. I know where the complications are before they become problems.
🏠 First-Time Buyers
Budget, pre-approval, offer, closing — with real numbers, not estimates.
📋 Self-Employed Borrowers
Tax returns, add-backs, bank statement loans, P&L programs, and income that does not fit neatly on a W-2.
🔨 Construction & Renovation
FHA 203(k), Fannie Mae HomeStyle, and construction-to-permanent financing.
📈 Investors & Builders
DSCR loans, new construction financing, fix-and-hold, and non-owner-occupied scenarios.
😶 Complicated Situations
Job change, divorce, prior short sale, unusual income, high debt-to-income, or a prior lender said no.
Raleigh Buyer Roadmap
Step-by-step from budget to keys. Built for buyers who want the process explained before they are under pressure.
Mortgage Calculators
Estimate payments, compare loans, run rent vs. buy, review buydown strategies, and check VA entitlement scenarios.
Loan Program Finder
A plain-English starting point when you are not sure whether VA, FHA, conventional, USDA, construction, or another loan type fits.
2003
Year I started in the mortgage business.
6 states
Personally licensed in NC, CA, FL, GA, TN, and VA.
50 states
Go Rascal is licensed nationally.
Broker
Multiple wholesale lenders, not one bank’s product shelf.
Licensed states and location pages
I am personally licensed in North Carolina, California, Florida, Georgia, Tennessee, and Virginia. Go Rascal reaches all 50 states.