About Andrew
Yours, and a little bit of mine. This is the story behind the name, the people I keep thinking about, and the two of us you will actually talk to.
Why I do this
I got into this because the right loan at the right time changes someone's trajectory. I've watched it happen: a first-time investor who didn't think they qualified, a family that finally got into the right home, a builder who turned one deal into ten. Those moments are why I pick up the phone.
Ten years ago I sat across from my own bank and heard no. Steady work, a family ready to put down roots, and the answer was still no. It was a mortgage broker who found the yes: same me, same numbers, a lender whose guidelines actually fit. Every memory we've made since happened inside walls that almost didn't become ours. When I think about how close we came to waiting years, or renting while the market moved without us, I understand exactly what's on the table when someone calls me. It's also why, once I got into mortgages, working through a mortgage broker was never a question.
My dad was self-employed my whole childhood, a contractor with real skill in his hands. I watched him help real estate investors cash big checks his entire working life: he did the remodels, they took the upside. And on paper, after every honest write-off, his income never looked like what his work was worth, so we never owned the home we lived in. Two things never left me. With the right person in his corner, there was a path to a mortgage built for how he actually earned. And with the right financing behind him, the man swinging the hammer could have been the one flipping the house. That's why self-employed borrowers and investors each get a whole page on this site.
Before any of this, I spent two years doing volunteer work in Latin America. I went to serve and came back served: humbled, carrying the Spanish I still use every week, and certain that whatever I built next had to give something back.
The road here ran through about twenty years in consumer lending, sitting across the desk from families and telling them the truth about their options. Clients left more than 400 reviews along the way, averaging 4.9 out of 5. That work was good to my family, and it taught me the thing I still lean on every day: people can handle the real answer, and they remember who gave it to them. But a loan on something that loses value ends at a trade-in. A mortgage ends at a paid-off family home. I'd rather spend the rest of my career on that side of the table, finding honest, creative paths to keys.
The rest of the story is Minnesota. I grew up in a home rich in love and character and short on money. My parents gave us everything that mattered, and in the tight seasons, strangers stepped up to cover some of the rest: I can still name them, and some of my best childhood presents came from people I'd never met. Finding out a stranger cares changes what you think is possible. A lot of the giving side of this business is me trying to be that stranger for someone else.
Everything we've built in this home almost didn't happen. I don't forget that when someone trusts me with theirs.
Every loan has a purpose
The first one is yours. A loan is never just a loan. It's the first home your kids will remember, the business you finally took the leap on, the rental that starts your next chapter. I treat it that way, because that's what it is.
The second one is ours. Every loan I close gives back. A portion of our commission goes to local charities we support, at no added cost to you, like Minnesota Adult & Teen Challenge and Sleep in Heavenly Peace. Recovery for people fighting addiction, and beds for kids who don't have one. So when your loan closes, something good happens twice.
This model is rooted in my faith: the conviction that the work should serve people well beyond the closing table.
The reason for all of it.
Building and delivering beds with Sleep in Heavenly Peace, so no kid in our community sleeps on the floor.
It's the two of us. No call center, no hand-offs to a stranger.
Senior Loan Originator · NMLS# 2663426
Your loan, your options, and the person who fights for the file. Licensed in Minnesota and Wisconsin.
Loan Officer Assistant
Your first call, your documents, your scheduling, and your updates, in English or Spanish. Norma keeps the process moving so nothing waits on paperwork.
Coffee at the kitchen table
He called because the online application was winning. An older gentleman, sharp as anyone, and not about to photograph his bank statements with a phone. So I drove over. We had coffee at his kitchen table, and in one afternoon every document was in. Then he told me he only meant to keep the loan about a year, so we built it so he put the least cash down up front.
The right loan depends on your plan, not the lender's menu.
The loan I talked a friend out of
He was about to refinance to pull out cash. The fees were about equal to the cash he would get back, the appraisal came in low, and he planned to sell within a year. That refinance would have spent his equity on fees. I told him not to do it.
I made nothing on that call. It is still the best work I did that month.
Real clients, details changed for privacy. Every loan is different.
People like my dad: skilled, honest, and invisible to a tax-return underwrite. Your write-offs shouldn't cost you the house.
See the self-employed pageI spent years teaching financing inside investor communities, including one I still serve today. Where the money comes from and how to structure it is my favorite part of this job.
See investor programsToo many families hit language and access barriers that have nothing to do with how ready they are. We serve in Spanish so nobody makes the biggest purchase of their life in their second language.
Servicio en españolIf that resonates, reach out. No pressure, no pitch. Just a real conversation about where you are and where you're trying to go.