competing for your loan
for real estate
for mortgage lending
no fee, no obligation
Two halves of the same transaction.
Hire me for one side or both. Bringing your own agent or your own lender is completely fine — plenty of clients do exactly that.
As your Realtor
Full representation for buying, selling and investing, with compensation structured as a percentage tailored to the engagement.
- Percentage-based representation with scope and compensation agreed in writing
- Property and financing strategy considered together where the licenses overlap
- Investing — cash flow, DSCR and honest exit math before you bid
- Relocation across seven states on one calendar
As your Loan Officer
An independent broker, not a bank. Your file goes to the wholesale market and the lenders compete — you see the two or three that actually win.
- 140+ lenders compared on your exact scenario, not one menu
- Conventional, FHA, VA, USDA and jumbo
- Bank statement, P&L and 1099 programs for self-employed borrowers
- DSCR and non-QM for files other banks decline
Percentage-based and aligned to the engagement.
The work is shaped around what the property and the plan require. The percentage, services and responsibilities are discussed for the transaction or investment and agreed in writing before work begins.
Percentage-based seller representation
Pricing, preparation, marketing, offer review and negotiation are scoped around the property and the outcome the sale needs to achieve.
How selling worksAligned with the investment
Property, financing, cash flow and exit strategy are considered together, with percentage-based compensation tailored to the engagement.
Scope and percentage are agreed in writing before representation begins.
Investor servicesReal estate compensation is negotiable and is not set by law or by any brokerage. The percentage, services and responsibilities are tailored to the engagement and agreed in writing before representation begins.
What is included either way
- Pricing analysis from real closed comparables, not an automated estimate
- Professional photography, floor plan and listing copy
- MLS entry and syndication to every portal buyers use
- Showing coordination, offer review and full negotiation
- Financing verified on the other side before you accept
- Compensation, services and responsibilities documented before representation begins
Find yourself on this list.
Every situation below has a different answer. Pick the closest and you will know what the first conversation needs to cover.
I want to buy my first home
You likely need less down than you think — 3% conventional for qualified first-time buyers, 3.5% FHA, and zero on VA and USDA for eligible borrowers.
First-time buyersI am selling
Full-service representation with pricing from real comparables, professional photography, and offer review that checks the buyer's financing before you accept.
SellingI am buying investment property
DSCR financing lets the rent qualify the loan instead of your debt-to-income. LLC vesting is generally fine, and most lenders cap nothing. I invest personally, so the numbers conversation starts sceptical.
Investor servicesI am self-employed
The write-offs that save you money in April sink applications in June. Bank statement programs qualify you on 12–24 months of deposits instead of your tax return.
Self-employed optionsA bank already told me no
One decline is one underwriter reading one lender's overlays. With 140+ wholesale lenders on the board, scenarios a single bank could not place regularly find a home.
Difficult scenariosI already have a quote
Send it and you get it read line by line — rate, points, credits, mortgage insurance and the true break-even. If your current offer wins, the numbers will say so and you should take it.
Get a second opinionThe gap between agent and lender is where deals die.
Normally your agent and your lender have never spoken. The agent writes an offer with a 21-day close because it looks strong; the lender discovers on day three that the condo is non-warrantable. Now you are renegotiating from a weak position.
When one person holds both files, that conversation happens before the offer goes out — not after it is accepted.
- Offer terms written around financing that will actually clear underwriting
- Appraisal and condition risks flagged before you are contractually committed
- One person accountable when the clock is running, not two inboxes pointing at each other
- Pre-approval strength that makes your offer competitive without raising your price
Twelve licenses across seven states.
Real estate representation in Ohio, Texas, Florida, North Carolina, Illinois, California and Georgia. Mortgage origination in California, Texas, Florida, North Carolina and Ohio.
Buying in one state and selling in another is a routine scenario here rather than a complication — the sale and the purchase share one calendar instead of colliding.
Licensed to lend
Licensed in real estate
A bank shows you the loans a bank sells.
That is not wrong — it is one menu. If your file does not fit it cleanly, that becomes your problem to solve. A broker puts your exact scenario in front of the whole wholesale market.
One file, 140+ lenders
You fill things out once. The scenario goes across the wholesale board and comes back with the two or three structures that genuinely win for your file.
Wholesale pricing
Brokers access lenders' wholesale channels — the same rate sheets a retail branch marks up before it reaches you. Over 30 years that difference is real money.
Programs a bank does not carry
Bank statement loans, DSCR, asset depletion, non-warrantable condos, recent self-employment, foreign national, jumbo with a story. Real scenarios needing real options.
The lowest rate is not the cheapest loan
A lower rate is usually bought with points at closing. If break-even lands at eleven years and you move in five, the better-looking number cost you money.
Speed, because you are not in a queue
If one lender's turn times slip mid-file, a broker can move the loan. A bank can only apologise and put you back in line.
Everything disclosed
Broker compensation appears on every Loan Estimate, as required. A bank's margin is inside the rate and is not disclosed at all.
Four steps, and you always know which one you are on.
A conversation, not a credit pull
Tell me what you are trying to do and where. We cover the realistic budget, the timeline, and whether now is even the right moment — sometimes the honest answer is wait.
Numbers before commitments
Affordability, the full payment including taxes and insurance, cash to close, and which loan programs actually fit. You see the arithmetic before signing anything.
Pre-approval with weight, then the search
Fully documented and underwritten where it helps — the kind listing agents take seriously. Then we look at property with the financing already settled.
Under contract to closing
Conditions tracked, status visible, milestone alerts as each stage clears. The person who priced your file is the person who clears it.
Prepared files close faster. Applications rarely stall over rates — they stall because a document surfaces in week three that should have been gathered in week one. The document checklist covers what to have ready and the handful of things that quietly kill loans.
The full mortgage toolkit lives on my lending site.
Six calculators, a 21-program finder, live pricing across 140+ wholesale lenders, a complete document checklist and 40+ written answers — all open, no account, no credit pull, nothing stored.
Instant rate quote
Eight questions, then live wholesale pricing with the full cost breakdown.
Six calculators
Affordability, full payment, points and refi break-even, cash to close, rent vs buy.
Program finder
Five questions narrows 21 programs to the two or three worth pricing.
Document checklist
Exactly what to gather, split by situation, plus what quietly kills loans.
Everything here is checkable.
Licences, pricing and arithmetic are all published or independently verifiable. You should not have to take any of it on trust.
NMLS 2705737
Licence status, employment history and any disciplinary record, on the federal registry.
Check the registryLive pricing
Real wholesale rates across 140+ lenders. No account, no credit pull, nothing stored.
See ratesThe arithmetic
Six calculators. Run affordability, payment and break-even numbers before you speak to anyone.
Open calculators100+ articles
Written answers on buying, selling, investing and financing. No email gate, no obligation.
Browse guidesScope and compensation in writing, first. Real estate representation uses a percentage-based structure tailored to the engagement. Responsibilities and compensation are agreed before work begins, and mortgage broker compensation appears on the Loan Estimate.
The questions everyone asks first.
Do I have to use Sree for both the loan and the real estate?
No. Many clients bring their own agent or their own lender and that works fine. Using both simply removes a handoff — the offer gets structured around financing that will clear underwriting, and one person is accountable throughout.
How is real estate compensation structured?
Sree uses a percentage-based compensation structure tied to the transaction or investment being represented. The percentage, services and responsibilities are discussed for the specific engagement and agreed in writing before representation begins.
Does using a mortgage broker cost more than going to a bank?
No. Broker compensation is disclosed on every Loan Estimate, as required. Because brokers price out of wholesale channels rather than a retail branch, the all-in cost frequently lands lower — and you compare many lenders instead of one.
What if my bank already declined me?
A decline is one underwriter applying one lender's overlays. Different lenders draw those lines in different places. Shopping a file across 140+ wholesale lenders regularly finds a lender for scenarios a single bank could not place.
When can I reach you?
Any day, any hour — call or text 24/7. Offers get accepted on Sunday evenings and questions come up at midnight, so there is no waiting until Monday. The calculators, rate quote and program finder are always online too, if you would rather run your own numbers first.
Every conversation starts with your numbers, not a pitch.
Buying, selling, investing or refinancing — tell me the situation and you will get a straight answer about what is possible, what it costs, and what happens next. Call or text 24/7 — no fee, no obligation.
Available 24/7 · No fee, no obligation · NMLS 2705737 · Lending in 5 states · Real estate in 7 states · Equal Housing Opportunity