Mortgage Lender | Complex Income Financing | Borrow Buy Build
Mortgage by Matthew
Helping You Buy, Borrow & Build Since 2001
For more than two decades, I’ve been helping clients turn real estate dreams into reality. I’ve worked with both small brokerages and large banks, learning the unique strengths each brings to the table. What I’ve learned is that the best place to borrow often sits right in the middle: a perfect balance of flexibility, resources, and personal attention.
That’s exactly why I’ve partnered with Liberty Federal Credit Union. We combine great management, a broad menu of loan programs, and a clear, client-first approach. Our lineup outpaces most large institutions, yet we deliver the kind of personal service you won’t find at smaller shops. Add in competitive pricing and transparent fees, and you’ve got a borrowing experience that’s hard to beat.
I know the mortgage process can feel complicated, but your lender shouldn’t make it harder. My role is to help you navigate the twists and turns with clarity and confidence, whether you’re buying your first home, building your forever home, or relocating across the country.
Questions? Good. I welcome them. In fact, the more you ask, the better I can help. My goal is for you to feel 100% comfortable and fully informed before making any decision about your loan. This is your future and I’m here to make sure it’s built on a solid foundation.
Your Path to Homeownership: Specialized Loans for Every Dream
From Physician and Construction Loans to Zero Down Payment options for our Community Heroes, we have the key to your new home.
Physician Loans: 100% Financing for Medical Professionals
Are You a Doctor, Dentist, Ophthalmologist, or Pharmacist?
Even if you haven’t started your new job yet but have an offer in hand, you might already qualify for a Physician’s Loan: a specialized mortgage designed exclusively for MDs, DOs, DDSs, DMDs, ODs, DPs, and DPMs.
Many have heard of these loans, but few know the real benefits, or that not every lender is authorized to offer them. The good news? I am.
With unique terms you won’t find in conventional loans and flexibility built for your career path a Physician’s Loan could be the smartest way to finance your next home.
Our program is open to Residents, Fellowships, New and Established Physicians.
The benefits include:
No down payment to $1,000,000 loan amount
No mortgage insurance
No income restrictions
Fixed and Adjustable Rate terms
Eligible Credentials include MD, DO, DDS, DMD, OD, DP, or DPM
Thinking Beyond Resale: Build Your Next Home
With inventory still near historic lows, it may be time to look beyond the resale market. Building your own home opens the door to new opportunities and a few unique challenges. One of the biggest? Securing the right financing.
That’s where our flexible construction loan program comes in. It’s designed to give you the best of both worlds: one closing for both the construction and the permanent loan, plus the ability to “float down” to the current market rate when your home is finished.
How It Works:
Phase I – Construction Period: Interest-only payments while your home is being built.
Phase II – Permanent Financing: Loan automatically converts to principal & interest once construction is complete.
Rate Insurance:
If rates go up during construction - you’re locked in.
If rates drop before closing - you can float down to the lower rate at no extra cost.
With your financing secured from blueprint to move-in, the only thing left is finding the perfect lot to build on.
The benefits include:
Streamlined Builder Approval
80% financing to $2,000,000
Interest Only Draws during construction
Expanded construction commitment terms
Primary residence and vacation homes
Ask about our Physician Construction Loan!
Community Heroes: Serving Those Who Serve Us. 0% Down For Heroes
You’ve dedicated your career to serving others, now it’s our turn to serve you. Our Heroes Program offers $0 down payment financing for qualifying professions, with the option to combine with our extended rate lock for new construction.
Who Qualifies:
Education: Teachers, School Administrators
Healthcare: Nurses, Nurse Practitioners, Nurse Anesthetists, Physician Assistants, Chiropractors, Physical Therapists, Occupational Therapists, Veterinarians
Public Safety: Police Officers, Firefighters, EMTs
Homeland & Federal Services: Homeland Security, FBI, DEA, CIA, TSA, Secret Service
You’ve served our community. Now, let us help you achieve homeownership — with financing designed just for you.
The benefits include:
No income limitations
0% down payment requirements
Allows for Seller Concessions
Fixed and Adjustable Rate terms
Primary Residence and Single Family Detached Property types
Lot Loan: Buy Now, Build Later
Financing on land is one of the most difficult loans to find. Further, it even more difficult to compare the terms from lender to lender based on property specifics, down payment, and amortization.
Why not simplify the process?
Whether you're planning your dream home or vacation residence, our Lot Loan gives you flexible financing with future construction in mind. Regardless, if you are want to lock in prices before they rise or looking to build a custom home, the dream starts with the proper parcel.
Thankfully, we are able to offer financing for improved and unimproved parcels. Improved lots are defined as subdivided and with utilities to the property line. Unimproved parcels may require alternative sources for water, electric, and sewer. Either way we offer financing with as little as 20% down payment.
The benefits include:
Raw or Vacant Land to 10 Acres
15 Year Term with 20 Year Amortization
Unlimited Loan Amounts
Ideal for future construction or one-time close transition
Where Can I Learn More?
Thinking about buying your first home, or your next one? Maybe it’s been years since you last went through the mortgage process, and the thought of doing it again feels a little overwhelming. Or perhaps you still have unanswered questions about how your last loan worked.
I understand, at first glance, the process can feel intimidating. There’s paperwork, deadlines, and a lot of moving parts. And if you’re working with a lender who’s slow to respond or doesn’t take the time to explain things clearly, it can leave you feeling isolated and unsure of your next steps.
That’s not how it should be.
My goal is to take the stress out of financing your home so you can focus on the exciting parts; finding the right place, imagining your life there, unpacking that first box. I want you to enjoy the journey, not get bogged down in confusion or frustration.
I make it a priority to:
Answer all your questions thoroughly and promptly
Keep the process clear and easy to follow
Give you the confidence that you’re moving in the right direction
Next Steps:
No matter which path you choose, I’ll respond quickly and make sure every question is addressed, so you can move forward with confidence.