Tell Me What's Going On. Then Pick a Time.

I read it.

Not an assistant, not a call center. I look at what you wrote and what you're trying to do before we're on the phone.

We talk.

Twenty minutes about the plan. Buying, selling, both at once, a divorce, a reverse, a refinance; we start with what you want the month to look like and work back from there. Your spouse, your kids, or your attorney are welcome on the call.

Then the application.

If it makes sense to keep going, the application goes through my client portal and the strategy goes on paper with real numbers. Nothing goes on paper before that.

One desk from there.

The loan, the offer, the negotiation, and the insurance handoff run on one calendar, mine, from the first call to signing day.