Licensed in America's three biggest housing markets
California, Florida, and Texas account for roughly one in three U.S. home sales — and each has its own lending quirks. Sam knows all three from the inside.
California
High prices meet high-cost-area loan limits. Jumbo and Non-QM fluency matters here more than anywhere — structure and program choice make the biggest difference on larger loans.
- High-balance conforming & jumbo expertise
- Coastal and metro markets: LA, OC, SD, Bay Area, Inland Empire
- Self-employed & entertainment-industry income specialists
Sam Razavi — CA DRE #01933447 · NMLS #985351
Florida
Condos, second homes, and investor demand define this market. Condo-approval rules and insurance realities take experience — Sam structures around them from day one.
- Condo & condotel financing (warrantable and non-warrantable)
- Second-home and vacation-property programs
- DSCR loans for the investor-heavy FL market
- Foreign national programs for international buyers
Miami office: 333 SE 2nd Ave, Ste 2000, Miami, FL 33131 · (305) 363-5091
Sam Razavi — FL OFR #LO105146 · NMLS #985351 · through C2 Financial Corporation, FL OFR #MBR3519
Texas
Texas has the most distinctive mortgage rules in the country — especially the 50(a)(6) cash-out rules. Getting them wrong costs weeks; we get them right the first time.
- Texas 50(a)(6) cash-out refinance expertise
- Growth metros: DFW, Houston, Austin, San Antonio
- New-construction and builder-contract financing
Sam Razavi — NMLS #985351 · through C2 Financial Corporation, TX SML #135622
Texas consumers: The Texas Department of Savings and Mortgage Lending requires specific consumer notices. Read the full Texas disclosure here.
Buying or refinancing in CA, FL, or TX?
Get state-specific guidance and wholesale pricing in one conversation.
Talk to Sam