Strategic Mortgage Solutions Backed by 24 Years of Experience
Work with Ziad T Kizy, a seasoned Mortgage Advisor delivering structured, results-driven financing solutions tailored to your goals. Whether you’re purchasing, refinancing, or navigating complex income scenarios, you’ll receive expert guidance, competitive options, and a streamlined process.
Personalized Lending Strategies for Every Borrower
Mortgage Expertise You Can Rely On
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Pre-Approval Letter
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Mortgage Payments
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Flexible Loan Programs Designed Around You
Every borrower’s financial situation is different—and your mortgage should reflect that. Ziad offers a comprehensive range of loan programs designed to accommodate everything from traditional income profiles to complex self-employed scenarios. With a strategic approach and deep industry knowledge, you’ll have access to solutions that align with your financial goals and long-term plans.
Self-Employed & Alternative Income Loans
Tailored solutions for business owners and independent professionals using bank statements, P&L statements, or alternative documentation instead of traditional tax returns.
No Tax Return Loans
Ideal for borrowers who prefer not to use tax returns, offering flexible qualification methods while maintaining competitive financing options.
Conventional & Government Loans
Reliable options including Conventional, FHA, and VA loans designed for primary residences, offering competitive rates and structured guidelines.
Investor & DSCR Loans
Built for real estate investors, these programs focus on property cash flow rather than personal income, making scaling your portfolio more accessible.
Hard Money & Short-Term Financing
Fast, asset-based lending solutions ideal for fix-and-flip projects or time-sensitive investment opportunities.
Refinance & Equity Solutions
Access your home’s equity or improve your loan terms with cash-out refinance and rate-and-term options designed to strengthen your financial position.
A Smarter, More Efficient Mortgage Experience
With over two decades of experience, Ziad delivers a mortgage process that is clear, strategic, and built around efficiency. From consultation to closing, every step is designed to keep you informed and in control.
Expert Guidance
Leverage 24 years of industry expertise to navigate even the most complex financing scenarios with confidence.
Streamlined Process
A smooth, organized approach that minimizes delays and keeps your loan moving forward efficiently.
Client-Focused Strategy
Every recommendation is tailored to your goals, ensuring you receive the right loan—not just any loan.