Reach me directly. No intake forms, no chatbots, no sales gauntlet.
Every message comes to me personally. I respond to texts and emails usually within an hour during business hours, and within one business day always. If you’d rather just send me your scenario and get real numbers back, the rate quote form is below.
Pick whichever is easiest for you.
Text is usually fastest. Email works well for anything that involves documents or longer scenarios. Phone calls are fine but most of my clients prefer text and email — and so do I, honestly.
Text Message
Fastest for quick questions or scenario discussions. I’ll respond personally, usually within an hour during business hours.
Best for sending documents — loan estimates from other lenders, tax returns, bank statements — or detailed scenarios that take more than a few sentences.
Phone Call
Works fine, though if I’m with another client I’ll respond by text or email when I’m free. Voicemail also works.
Office Hours
When I’m actually available.
Monday – Friday: 9:00 AM – 6:00 PM ET
Saturday: By appointment
Sunday: Closed
That said, I respond to time-sensitive client messages outside business hours when needed. If you’re in the middle of a deal and something urgent comes up, send it — I’ll get to it.
Office Location
Forest Hills Mortgage
1408 Forest Ave
Neptune Beach, FL 32266
Office meetings are available by appointment. Most of my work happens over text, email, and occasional phone calls — I rarely need clients to come in person, and I know your time is valuable. But if you’d prefer to meet face-to-face, I’m happy to schedule it.
A real conversation, then real numbers. Not a sales process.
Step one is just a conversation. You tell me what you’re trying to do — buy a house, refinance, look at a specific property, evaluate an offer from another lender — and I’ll give you an honest take on what makes sense for your situation. No pressure, no credit pull, no commitment.
Step two, if it makes sense to keep going, is real numbers. I’ll quote your scenario with actual rates and closing costs based on current pricing. Not teaser rates, not “as low as” pricing — what you’d actually close at. If you’ve already got a quote from another lender, send it over and I’ll compare honestly. Sometimes I can beat it. Sometimes I can’t. Either way you’ll know.
Step three, if we’re moving forward, is application and document collection. I’ll send you a secure portal to upload tax returns, bank statements, and other documents. Same regulatory framework as any major lender — your information is protected the same way it would be at a bank. From there, we manage the process to closing together.
The whole timeline from “first message” to “keys in your hand” for a standard purchase is usually 30-45 days, sometimes faster. Refinances are typically 21-30 days. I’ll give you a realistic timeline for your specific scenario when we talk.
Send me your scenario directly. I’ll come back with real numbers.
The rate quote form takes about two minutes to fill out and gives me what I need to come back with real pricing for your specific scenario. No credit pull, no commitment, no follow-up sales calls unless you ask for one.
Request a Rate Quote →