Rodney’s expertise spans various loan types, including Purchase, Refinance, Cash-Out, Debt Consolidation, Down Payment Assistance, and more. Whether you’re seeking a Conventional, FHA, VA, Jumbo, or Investment loan, Rodney has you covered. People First, Transactions Second: Rodney believes that success is measured by lasting relationships. With personal attention and expert advice, he’ll guide you through the loan process, ensuring your goals are met with peace of mind. Contact Rodney: Let Rodney’s comprehensive background in Mortgage, Title & Escrow, Appraisal, Real Estate Sales, Construction, Investments, and Lending pave the way for a smooth and successful transaction. Reach out today! Fun Fact: When Rodney isn’t navigating mortgages, he’s coaching his kids’ baseball, softball, and basketball teams. His love for sports and family shines through in all he does. 🏀⚾🐶🐱
Down Payment Assistance can help you get up to $100,000 toward your home purchase.
FHA loans are government-backed mortgages that make homeownership more accessible and affordable.
Conventional loans are mortgages offered by private lenders without government insurance or backing.
VA loans provide key benefits over conventional mortgages, making them ideal for eligible veterans and service members.
Jumbo loans offer greater borrowing power and flexibility for financing high-value or luxury properties
A USDA Loan is a government-backed mortgage offered through the USDA Rural Development Guaranteed Housing Loan Program.
Specialized home loans for homeowners 62 and older that convert home equity into cash with no monthly mortgage payments required.
DSCR loans are ideal for real estate investors, focusing on property income rather than personal income to qualify.
Our self-employed mortgage options are tailored to help business owners overcome income verification challenges and qualify for home loans.
Profit and Loss statement loans help self-employed individuals and business owners qualify for mortgages using their business income.
Access your home equity with a flexible line of credit—borrow what you need, when you need it.
Bank statement loans allow self-employed borrowers and business owners to qualify for mortgages without traditional income documentation.
Finance your home purchase and renovation with one loan based on the property's future improved value.
Access your home’s equity with a fixed-rate second mortgage—without changing your existing first mortgage.
Build your dream home with flexible construction financing tailored for ground-up projects.
Simplify your finances by combining multiple debts into one manageable payment with lower interest and flexible repayment options.
Empower your investment goals with financing designed for property investors—flexible terms, higher limits, and fast approvals.
Build home equity faster and reduce total interest costs with our rapid payoff loan designed for long-term savings.
Exclusive mortgage solutions for medical professionals offering low down payments, flexible underwriting, and no PMI requirements.
Affordable home financing options for educators with low down payments, flexible credit standards, and special assistance programs.
Special mortgage benefits for police officers and first responders with low rates, reduced fees, and flexible qualification options.
Finance unlimited investment properties with competitive rates and flexible qualification based on rental income potential.
Specialized home financing designed specifically for firefighters, paramedics, EMTs, and fire service professionals.
Live mortgage rates and economic indicators to guide your home financing decisions.
He strives to offer unparalleled service to our borrowers. This includes a lean and simple process, a dedicated loan officer who can offer different customizable loan options with very attractive payment terms.
| Tenancy in Common | Joint Tenancy | Community Property | Community Property with Right of Survivorship | |
|---|---|---|---|---|
| Parties involved | Two or more persons1 | Two or more natural persons | Spouses or domestic partners2 | Spouses or domestic partners2 |
| Division | Ownership can be divided into any number of interests, equal or unequal | Ownership interests must be equal | Ownership interests must be equal | Ownership interests must be equal |
| Creation | One or more conveyances (law presumes interests are equal if not otherwise specified) | Single conveyances (creating identical interests); vesting must specify joint tenancy | Presumption from marriage or domestic partnership or can be designated in deed | Single conveyance and spouses or domestic partners must indicate consent which can be on deed |
| Possession and control | Equal | Equal | Equal | Equal |
| Transferability | Each co-owner may transfer or mortgage their interest separately | Each co-owner may transfer his/her interest separately but tenancy in common results | Both spouses or domestic partners must consent to transfer or mortgage | Both spouses or domestic partners must consent to transfer or mortgage |
| Liens against one owner | Unless married or domestic partners, co-owner's interest not subject to liens of other debtor/owner but forced sale can occur | Co-owner's interest not subject to liens of other debtor/owner but forced sale can occur if prior to co-owner's/debtor's death | Entire property may be subject to forced sale to satisfy debt of either spouse or domestic partner | Entire property subject to forced sale to satisfy debt of either spouse or domestic partner |
| Death of co-owner | Decedent's interest passes to his/her devisees or heirs by will or intestacy | Decedent's interest automatically passes to surviving joint tenant ("Right of Survivorship") | Decedent's 1/2 interest passes to surviving spouse or domestic partner unless otherwise devised by will | Decedent's 1/2 interest automatically passes to surviving spouse or domestic partner due to right of survivorship |
| Possible advantages/disadvantages | Co-owners interests may be separately transferable3 | Right of Survivorship (avoids probate); may have tax disadvantages for spouses | Qualified survivorship rights; mutual consent required for transfer; surviving spouse or domestic partner may have tax advantage2 | Right of survivorship; mutual consent required for transfer; surviving spouse or domestic partner may have tax advantage |
Experience the journey from loan application to closing in a fun, interactive board game — one dice roll at a time.
