Some of your best clients are the hardest to finance. That's my specialty.

Think of me when...

Your buyer is self-employed and their tax return doesn't tell the whole story.

Your buyer has significant assets but limited income on paper.

Your investor client has hit the conventional property limit.

Your client was pre-approved somewhere else but you're not confident it'll actually close.

Your buyer wants to build and needs one loan to cover it all.

Your listing is under contract and the lender is giving you bad vibes.

That's the call. That's when you text me.

WHAT YOU CAN EXPECT PARTNERING WITH ME

YOUR CLIENT. ALWAYS.

Every referral comes back to you. I don't make promises I can't keep. My job is to close the loan and make you look good.

YOU'LL BE IN THE LOOP.

You'll never have to chase me for an update. I keep you posted throughout the process so you're never caught off guard.

I MAKE YOU LOOK EVEN SMARTER THAN YOU ARE.

The best referral relationships I have started with one complex file nobody else could figure out. We'll close it and go get another.

I'M EASY TO WORK WITH.

Book a call online, get updates without asking, and reach me directly when something comes up. No call center nonsense here.

FAQs

How fast can you close?

Most loans can be closed 30 days or less. If you want to shorten the timeline to get an offer accepted let's chat to make sure we can deliver.

What makes your pre-approval different from other lenders?

Most pre-approvals are a soft credit pull and an optimistic guess. Mine isn't. Before I issue a pre-approval I've actually reviewed the income documentation, identified any potential issues, and confirmed the program. When I say a client is approved, I mean it. That's what protects your transaction.

Do you work with buyers at all price points?

Absolutely! But where I genuinely stand out is with complex income. (and reverse mortgages!) For a straightforward first-time buyer with a W-2 and good credit, I'm competitive on rates and service. For the complicated ones, I'm usually the best option in the market.

My client was declined by another lender. Is it too late?

I've saved several deals, it's one of my superpowers. Depending on why they were declined and how far along the transaction is. Call me and let's talk about what happened. Sometimes there's a different program, sometimes a documentation fix, sometimes we need to regroup. I'll give you an honest answer fast so you know where you stand.

What happens if something goes wrong mid-transaction?

We get on the phone. No email chains, no waiting for a callback. We talk through what happened and figure out the options. Most problems are solvable if we catch them early enough and if they're not, I'll tell you that straight so you can make decisions fast.

Let's Close Deals Together.

A 20-minute Zoom. Tell me about your business and the clients you work with.

If there's a fit, we'll start closing deals together.

Roxy Miles
NMLS#2464939

Complex Loans. Fun Lender.
Self-employed, retired and high-net-worth borrowers who don't fit traditional lending. Bank statement loans, asset depletion, reverse mortgages, jumbo financing and first lien HELOC strategy.