Since 1997, I’ve structured and closed thousands of mortgages across South Florida — but today my focus is clear:
I specialize in physician home financing in Miami.
I work with residents, fellows, and attending physicians who want to purchase in one of the most competitive real estate markets in the country — without draining liquidity or being penalized for student loan debt.
Through Cornerstone First Mortgage, I offer:
• 100% financing up to $2,000,000
• No private mortgage insurance
• No student loan debt calculations
• Contract-only closings for incoming attendings
• Multi-state lending capability
While physician financing is a core focus of my practice, I also originate the full range of mortgage solutions including Conventional, FHA, VA, DSCR investor loans, Bank Statement programs for self-employed borrowers, and Reverse Mortgages.
In Miami, where down payments on $1–2M homes can easily tie up hundreds of thousands in capital, strategic financing matters.
Most physicians don’t need a generic mortgage.
They need a structure built around their income trajectory and balance sheet.
That’s where I operate.
After nearly three decades in the industry — beginning by originating the very first loan at Choice One Mortgage in Cutler Bay — I transitioned to a national platform in 2026 to expand product depth, execution speed, and geographic reach for my clients.
I don’t chase volume.
I build long-term advisory relationships with high-income professionals who expect precision.
If you are a physician relocating to or purchasing in South Florida and want financing structured correctly from day one, let’s talk.
