Banks show you one rate from one lender. As an independent broker I shop 100+ wholesale programs to find the rate and structure that actually works for your life — not theirs.
KNB Capital is an independent mortgage brokerage. That means your file gets shopped across 100+ wholesale lenders — the same lenders banks use — without the retail markup. Better pricing, more programs, and financing structured around your goals instead of a bank's product menu.
A bank offers its own products. I place your file with the lender whose guidelines and pricing actually fit it — which matters most when your situation isn't textbook.
Conventional, FHA and VA purchase financing with wholesale pricing — for first-time buyers, move-up buyers and luxury purchases.
The strongest program available if you're eligible — no down payment, no monthly MI, and competitive rates for veterans, active duty and surviving spouses.
3.5% down from a 580 credit score, with more flexible debt ratios than conventional — designed for buyers building toward ownership.
Fannie Mae and Freddie Mac financing from 3% down, with mortgage insurance that comes off once you reach 20% equity.
Replace your mortgage with a larger one and take the difference in cash — for renovations, debt consolidation or the next investment.
The rental income covers the payment, so the loan qualifies on the property's cash flow instead of your personal income documents.
12 to 24 months of personal or business bank statements used to establish income — built for self-employed borrowers and 1099 earners.
Loans larger than the conforming limit, with pricing and guidelines that vary widely between lenders — which is exactly where shopping pays.
Every client gets senior-level guidance from application to closing — no call-centre handoff, no generic bank menu. Whether it's your first home, your next one, or your fifth rental, the financing gets built around your situation.
Mortgage jargon translated into plain English. Down payment assistance, FHA options, and guidance from first call to closing day.
Zero down. No PMI. Your VA benefit treated with the respect it deserves, including the parts most lenders get wrong.
DSCR, conventional investor and Non-QM programs for rentals, multifamily and short-term rentals. Scale the portfolio strategically.
Write-offs hurt you at a bank. Not here. Bank statement, P&L and 1099 programs qualify you the way you actually earn.
Fifteen minutes. We go through your goals, income and credit picture, and identify the programs most likely to win for your situation.
Send documents once. I shop your rate across 100+ wholesale lenders and issue a strong pre-approval — often the same business day.
Your pre-approval is solid. When you find the right property we move fast, because in these markets sellers don't wait.
I handle underwriting, conditions and every timeline. You show up on closing day ready to sign, not wondering what might go wrong.
With over 20 years of experience in Southern California, I personally shop 100+ wholesale programs to find the loan that fits your life — not a bank's bottom line.
I started in this business because I believe every borrower deserves access to the same wholesale pricing banks use internally, without the retail markup. As an independent advisor at KNB Capital, I'm not tied to any single lender's product menu.
I personally handle every file from application to close. You'll have my direct number — not a call centre.
Plain-English explanations of the things borrowers actually ask me about — affordability, rates and points, closing costs, refinancing, credit and loan programs.
What lenders really look at, and why the number you're approved for isn't the number you should spend.
Why two lenders quote different rates for the same borrower, and when paying points is worth it.
A line-by-line look at where the money goes — and which fees you can shop for.
Buying isn't automatically better. Here's the maths that decides it for your situation.
The rule of thumb about rate drops is wrong. Here's what to look at instead.
Which score lenders use, what actually helps before you apply, and what to avoid.
No pressure and no obligation — just a real conversation about your goals, what you qualify for, and what a better rate would mean for your monthly payment and long-term wealth.