The lender you call when the deal has a complication.

If you're a listing agent.

Your seller accepted an offer that's contingent on the buyer selling their existing home. CCBS — contract contingent on buyer sale. The riskiest contingency in real estate. Half the time the buyer's home doesn't sell on time and the deal blows up.

That's the deal we save. Our Buy Before You Sell program provides bridge financing that lets your buyer remove the contingency, write a clean offer, and close on schedule — even if their existing home hasn't sold yet.

What this means for you:

• Your listing closes instead of falling out of contract
• The seller gets the clean offer they wanted in the first place
• Your buyer doesn't lose the home they fell for
• You don't have to relist and reset 30 days of marketing

Send Mike the listing — he'll work with the buyer's lender (or directly with the buyer if they want a second opinion) to see if BBYS rescues the deal.

If you're a buyer's agent.

You've got a buyer the bank turned down — or one a bank shouldn't have approved in the first place. Send them my way. The files I close that most lenders won't:

• Self-employed buyers who write off too much for a tax-return-based loan. Bank statement loans (12 or 24 mo), 1099 loans, asset-qualifier loans.
• Jumbo with student debt. Especially doctors, dentists, residents, fellows. Up to 100% LTV with no PMI on the Medical Professionals program. Residents eligible 150 days before start date.
• Investors with multiple properties. DSCR loans below 1.0 (other lenders cap at 1.0). Short-term-rental properties for OR Airbnb / VRBO markets.
• FHA-buy-out scenarios. Forgivable second mortgages from Down Payment Assistance (DPA) programs that other lenders don't know how to layer correctly.
• Non-traditional credit. ITIN buyers via Arrive Home. First responders, teachers, healthcare via Essex/NHF.

How I work with agents.

One person on the file from intake to closing — me. Not a junior LO running it behind the scenes. Not a national call center routing your client between voices.

• Direct line. Real cell phone. I respond to agents within 2 business hours during the week.
• Honest reads on files. If your buyer can't qualify, I tell you fast — before they fall in love with a house they can't close on.
• Co-marketing within RESPA. Co-hosted homebuyer events, co-branded compliant collateral, joint appearances. I do not pay referral fees or anything that violates Section 8.
• Education for your buyers. If your buyers ask "what's a rate lock?" or "should I wait until rates drop?" — point them at the Resources page or send them to me. We do consultations free, no pressure.

Common agent questions.