Hi, I'm Jaime — let's get you home
Hi, I’m Jaime — I help people get home loans without the jargon.
Buying, refinancing, locking a rate, or just trying to figure out what you can afford — I walk through it with you, in plain English, with no jargon and no pressure. Pull up a chair.
- 15yrs
- Helping families
- 2,400+
- Families helped home
- 4.9/5
- Average client rating
Let’s start with the question everyone asks
“So… what would my payment actually be?”
Slide the numbers around and watch your estimated monthly payment update live. I include the stuff people forget — taxes, insurance, and PMI — because the sticker payment is never the whole story.
- ✓Real amortization math, not a teaser number
- ✓Shows how a bigger down payment drops your PMI
- ✓Nothing saved, nothing sold — just a head start
Estimated monthly payment
$2,808
per month, all-in
- Principal & interest
- $2,162
- Property tax (est.)
- $348
- Homeowner's insurance (est.)
- $127
- Mortgage insurance (PMI, est.)
- $171
- Loan amount (30-yr)
- $342,000
A friendly estimate, not a quote. Taxes, insurance, and PMI are rough national averages — your real numbers depend on your area and lender. Want me to run yours? Read the guides and reach out.
Here’s what working together looks like
How I help
Four steps, the same for everyone — whether it’s your first home or your fifth.
- 01
We talk — really talk
No forms first. I want to hear where you are: renting and curious, ready to buy, or wondering if refinancing is worth it. We start with your goal, not a sales pitch.
- 02
We run your real numbers
Together we look at what you actually earn, what you owe, and what you can comfortably carry — then I tell you the honest price range, not the one that maxes out your approval.
- 03
I translate the loan options
FHA, VA, conventional, points, locks, PMI — I explain which ones fit you and which you can ignore, in plain English, so you choose with your eyes open.
- 04
I stay with you to the keys
From pre-approval through the closing table, I'm the person you text when something looks confusing. You'll always know what comes next.
In their words
People I’ve walked home
“Jaime felt like having a friend who'd done this ten times whispering 'okay, next we do this.' First-gen homebuyer here — he's the reason I believed I could pull it off.”
“He talked me out of a house that would've stretched us to 40%. When the roof needed work two years later, I understood exactly why he'd said wait.”
“I'm bad at math and even I got it. He ran our numbers right there, explained the rate lock, and never once made me feel rushed or sold to.”
Free reading, no email required
My guides
The same explanations I give clients, written down so you can read them at midnight when the question won’t let you sleep.
Closing CostsReading a Loan Estimate: The Page Most Buyers Skip
Everyone reads page one of a Loan Estimate for the payment number. Page three, with APR and total cost comparisons, tells you if the loan is actually good.
Read Jaime’s guide→
Purchase MortgagesThe Life of a Loan File: From Application to Clear-to-Close
A step-by-step walk through what actually happens to your loan file between application and the closing table, and roughly how long each stage takes.
Read Jaime’s guide→
Pre-ApprovalWhat Underwriters Actually Look For in Your Bank Statements
Large deposits, NSF fees, gambling transactions, and account transfers — here's what actually raises a flag on your bank statements and what's simply normal.
Read Jaime’s guide→
Pre-ApprovalPre-Approval Mistakes That Cost People the House
Getting pre-approved is only half the battle — staying approved is the other half. Every year I watch buyers torpedo their own loans with avoidable moves between the letter and the keys. Here are the mistakes that cost people the house, and exactly how to dodge them.
Read Jaime’s guide→
Closing CostsLender Credits vs. Points: Trading Cash for Rate
You can pay points to buy your rate down, or take a lender credit to cover closing costs in exchange for a higher rate. It's the same dial turned opposite ways. Let me show you which direction fits your real life.
Read Jaime’s guide→
FHA, VA & ConventionalUsing a VA Loan a Second Time (Yes, You Can)
Here's a benefit too many veterans leave on the table: the VA loan isn't a one-time gift. Your entitlement can be restored and reused, sometimes more than once. If you think you 'already used yours up,' let me show you why you probably haven't.
Read Jaime’s guide→Have a question keeping you up at night?
That’s usually where the best conversations start. Read through my guides — they answer most of what people ask me — and if you’re still stuck, that’s exactly what I’m here for.
— Jaime