What clients say when the strategy
finally makes sense.
The people I work best with want to understand the decision, examine the tradeoffs, and choose the structure that fits the life they are building.
The clients I work best with want to understand what they're doing, not just sign what's in front of them. If that's you, one 15-minute call will tell us both whether this is the right fit.
I'm a Certified Mortgage Advisor and Branch Lead at NEO Home Loans. I look at the full financial picture: goals, timeline, cash flow, tax context, liquidity, and equity strategy. Then I stay involved after closing, because the mortgage is one decision inside a longer plan.
Before mortgages, I spent 18 years in Mexico City running businesses, including a toy company I led as CEO. If you're self-employed or run your own business, I've sat in your seat. I understand your tax structure, your income complexity, and what makes lenders nervous. Most of that work gets done before your file is ever submitted.
Hablo español con fluidez. Si prefieres trabajar en español, lo hacemos.
What this looks like in practice.
Mortgage Under Management
A client closed in early 2022, in the middle of a sharply rising rate environment. By month 26 their equity had crossed 20%. I called them, walked them through the PMI removal request, and they saved $280 a month. Six months later, when rates dropped, I called again and we reviewed a no-cost refinance. That follow-up is part of Mortgage Under Management.
Self-Employed Buyer · Closed in 21 Days
A self-employed buyer came to me after two lenders had declined the file. We reviewed the tax returns, matched the documentation to the right program, and closed in 21 days. The result came from structuring the file around how the business actually worked.
This isn't a one-off. Self-employed buyers and business owners come to me regularly after being turned away elsewhere. The complexity isn't the problem. Knowing what to do with it is.
"Daryn remained calm, resourceful, and solution-oriented. He went above and beyond to ensure we stayed on track and closed on time, making what could have been a stressful experience much easier to navigate."
Bobby Baker · Google Review ★★★★★
The questions I help clients answer.
Mortgage regret often starts with a tradeoff that was never made visible. Here are three decisions I slow down and model:
How much cash should stay liquid?
I run a Total Cost Analysis before we decide anything. It shows the 10-year outcome of every option, not just the monthly payment.
Is PMI a cost worth accepting?
I compare PMI with rent, reserves, price, and time horizon instead of treating 20% down as a universal rule.
What should be reviewed after closing?
I'm still watching your file after you close. When a rate window opens that makes sense for your situation, I call you. Not a newsletter. A call.
The loan is temporary.
The strategy lasts.
If we're a good fit, you'll know in 15 minutes. If we're not, I'll tell you that too.
See if we're a fit, free, 15 minutes or less