Self-employed, investing in rentals, tapping your equity, or buying your first home: I shop your scenario across dozens of wholesale lenders to find a loan that fits, including the ones big banks turn away.
Prefer to talk? Call or text (949) 259-0979 · ★ 5.0 client reviews
★★★★★
5.0 client reviews
For six years I've helped families, business owners, and investors find home loans that truly fit their lives. I'm an Arizona native who calls California home, a snowboarder, painter, and motorcycle rider, and most importantly, a dad. My clients most often mention my patience and how quickly I return their calls.
As a broker, I'm not limited to one bank's rulebook. I match your situation to the lender and program that fits.
Write-offs shouldn't cost you a home loan.
Qualify on the property's cash flow.
Access cash and keep your low first-mortgage rate.
The classics, shopped for the right fit.
5.0 from verified client reviews on Experience.com
"Thomas was a pleasure to work with. He was very patient with any questions I had and always returned my calls promptly."
"Very easy going but very business savvy. He goes above and beyond to get the job done."
"He ensured we got the loan we were looking for."
"He helped us get a home equity HELOC on our manufactured home."
Read every review from real borrowers, verified by Experience.com.
Read All My Reviews →Tell me what you're trying to do: buy, refinance, invest, or pull equity. It takes about two minutes, and there's no credit pull to start.
I compare programs and pricing across my wholesale lender network and narrow it to the options that actually fit.
We walk through your options together: payment, cash to close, and trade-offs, in plain English.
I manage the file from application to closing and keep you updated at every step.
When you go to a bank, you get that bank's programs and that bank's guidelines. If you don't fit their box, the answer is usually no.
As a broker, I work with a wide network of wholesale lenders, from the largest national lenders to specialists in non-QM, investor, and home equity lending. That means more programs, more flexibility, and an advisor whose job is to find the right fit for you.
| Retail bank | Working with me | |
|---|---|---|
| Loan programs | One lender's menu | Many lenders' menus |
| Self-employed | Tax returns required | Bank statement, P&L, 1099 options |
| Investors | Personal-income based | DSCR: property cash flow |
| If declined | Start over elsewhere | I take it to another lender |
| Your contact | Call center | Me, directly |
I'm a Senior Mortgage Advisor with Trust One Financial in Irvine, California, and I've spent the past six years as a loan officer helping families, business owners, and investors finance their homes across multiple states. Over that time I've learned that the right mortgage isn't always the lowest advertised rate. It's the loan that fits your income, your goals, and your timeline, structured by someone who takes the time to understand all three.
I specialize in the scenarios that don't fit neatly into a bank's box: self-employed borrowers whose tax returns don't tell the whole story, real estate investors growing a rental portfolio, homeowners who want to tap their equity without giving up a great first-mortgage rate, and buyers who simply want someone in their corner who actually picks up the phone.
My approach is simple: be patient, be straightforward, and be easy to reach. A mortgage is one of the biggest financial decisions you'll make, and you deserve someone who explains every option in plain English, answers every question, and returns your calls promptly. That's exactly what my clients mention most, along with my persistence in finding a loan that actually fits, even for situations like a HELOC on a manufactured home.
Because I work as a broker, I'm not tied to one bank's guidelines. I compare programs across a wide network of wholesale lenders, from the largest national lenders to non-QM and home equity specialists, so borrowers who've been told "no" elsewhere still have real options. And my work doesn't end at closing. I'm here for the next purchase, the refinance when rates drop, and every question in between.
Outside the office, I'm an Arizona native who's called California home for the past 11 years. You'll find me snowboarding, painting, riding motorcycles, or planning the next trip somewhere new. But the greatest job I'll ever have is being a dad. It's a big part of why I take helping families find the right home so personally.
Licensed in: Alabama, Arizona, California, Florida, Iowa, Maryland, Minnesota, Oregon, Tennessee, and Virginia.
Let's Talk About Your GoalsTwo quick steps, about a minute. I'll personally review your options and reach out, usually the same business day. No credit pull, and no obligation.
Ready for a full application? Apply securely online →
Often, yes. Bank statement, P&L, and 1099 programs look at your actual deposits or business income instead of your taxable income after write-offs. Eligibility depends on the program and your full scenario.
A Debt Service Coverage Ratio loan qualifies an investment property based on its rental income compared with the mortgage payment, rather than on your personal income. It's designed for real estate investors.
If you have a low rate on your first mortgage, a HELOC or fixed-rate second mortgage can let you access cash without replacing that rate. A cash-out refinance can make sense in other situations. I'll compare both for you.
No. Sharing your scenario doesn't involve a credit check. If you decide to move forward, I'll explain before any credit report is pulled.
Broker compensation is disclosed up front on your Loan Estimate, so you can see exactly what you're paying. Because I can compare many lenders, I can help you find competitive pricing.
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