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.

West Coast

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 · Optima Financing — CA DRE Corp #02074306

Southeast

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

South Central

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

Areas we serve

Sam is licensed across California, Florida, and Texas and works the whole of each state. These metros have their own local mortgage guidance — and if you don't see your city, it's still covered.