At Everyday Lending, we know that no two borrowers are the same. Whether you’re buying your first home, refinancing, or investing, we offer flexible mortgage options, competitive rates, and real guidance—so you can move forward with clarity and confidence. We make home loans feel simple, personal, and built around what matters to you.
Whether you are buying your first home, refinancing, or investing, I will help you compare the right loan programs for your income, budget, and timeline. Expect competitive rates, flexible terms, and clear guidance from application to closing.
In my 21-years in the mortgage industry, I have seen almost everything related to mortgage banking and residential real estate. Over a thousand transactions have honed my craft. My distinct personalized approach stems from my diverse background and interests as a recording musician (with six records to my credit), an environmental and social activist, the founder of a local non-profit, the owner of a renowned recording studio, an active real estate investor, and as an aspiring chef who is trying not to lose his touch. I grew up outside of New York City and have lived on both coasts, as well as in the US Virgin Islands, the Republic of Latvia, and the Republic of Georgia. I’ve traveled extensively throughout Western and Eastern Europe, Ethiopia, and the United States, spending several summers backpacking in the wilderness of Alaska.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
At Everyday Lending, we believe home financing should feel personal, not transactional. We take the time to understand your story, your goals, and your lifestyle—then match you with a mortgage that truly fits. Whether you’re navigating the homebuying process for the first time or refinancing for a better rate, you’ll get expert advice, flexible options, and everyday support that’s anything but ordinary.
Get straightforward answers to common home loan and refinance questions, including credit requirements, down payments, timelines, and what to expect during the approval process.
We specialize in a wide range of mortgage solutions, including conventional loans, FHA, VA, jumbo loans, and more. Whether you are a first-time homebuyer, self-employed, or looking to refinance, we have tailored options to fit your needs.
Getting started is easy. You can reach out to us for a quick strategy session where we’ll discuss your goals and gather some initial details. From there, we guide you through pre-approval, document collection, and the entire loan process step by step.
Borrowers with stable W2 income, a 620+ credit score, manageable debt, and documented assets are typically strong candidates for conventional financing with competitive rates and flexible terms.
Many qualified buyers purchase with 3% to 5% down on conventional loans or 3.5% down on FHA loans, depending on credit profile and overall financial strength.
FHA loans are often a good fit for first time buyers or borrowers with moderate credit who want lower down payment options and more flexible qualification guidelines.
Lenders typically average the last two years of net income shown on tax returns. Consistent earnings, organized financials, and stable business history strengthen approval.
Yes. Self employed and 1099 borrowers can qualify with proper documentation, steady income history, and strong credit. Clean records help ensure smoother underwriting.
Strong investor files usually include solid credit, adequate reserves, rental income support, and appropriate down payment, typically 15% to 25% depending on loan structure.
Refinancing may make sense when you can lower your interest rate, reduce your monthly payment, shorten your loan term, or improve overall financial positioning.
The first step is a mortgage pre approval. This includes reviewing income, credit, and assets to determine eligibility and provide a clear purchase or refinance strategy.
