Question 1

How quickly can loans close?

Accepted Answer

Most purchase loans close in 21–30 days, and Troy regularly hits faster timelines when contracts demand it. He'll tell you honestly upfront whether your target date is realistic. Closing timelines depend on appraisal, title, and third-party turn times and are not guaranteed.

Question 2

What credit situations do you work with?

Accepted Answer

Troy serves clients across the credit spectrum. FHA can work in the low 600s, conventional and VA generally start in the mid-600s, and jumbo programs typically want 700+. There's almost always a path — the question is which one. Credit score guidelines are general and subject to change; qualification depends on the full application and underwriting.

Question 3

Do you work with real estate investors?

Accepted Answer

Yes. DSCR loans, conventional investor financing, mixed-use properties, and portfolio strategies — Troy has helped investors close everything from single rentals to multi-property portfolios.

Question 4

Do you offer jumbo financing?

Accepted Answer

Absolutely — up to $5 million. Jumbo is a core part of Troy's practice, with tailored structuring for executives, business owners, and luxury home buyers.

Question 5

Can you help first-time buyers?

Accepted Answer

Yes — and it's one of Troy's favorite parts of the job. He'll walk you through every step, explain every number, and never make you feel rushed.

Question 6

Do you work nationwide?

Accepted Answer

Troy serves clients across the USA — supporting borrowers in 49 states. Most clients work with him remotely — phone, email, secure e-sign — from anywhere in the country.

Question 7

Can I refinance my current loan?

Accepted Answer

Yes — rate-and-term, cash-out, and renovation refinances. Troy will run the honest math and tell you whether refinancing actually serves your goals right now.

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