Hi, I'm Everald.
For nearly two decades I've helped families and investors navigate one of the most important financial decisions of their lives. My practice is built on three promises: tell the truth, do the math, and pick up the phone.
Operating as Zero Point Mortgage Services, a DBA of Johnson Home Loans and Financial Services.
Your Path to Homeownership Starts Here
Personalized mortgage solutions with competitive rates, fast closings, and dedicated service from application to keys in hand.
A program for every chapter of homeownership.
Lower your rate, tap equity, or shorten your term.
DSCR, portfolio, and BRRRR-friendly financing.
Physician loans with 0–10% down, no PMI.
Bank statement and P&L programs for entrepreneurs.
Construction-to-perm and one-time-close loans.
On-time closings and co-branded buyer concierge.
Grants and second-lien programs for qualified buyers.
Conventional, FHA, VA, USDA, Jumbo and more.
"Everald made what we thought was impossible — refinancing while self-employed — feel effortless."
Four steps from hello to keys.
A 30 - 45 minute call to understand your goals and timing.
We collect docs, verify income, liabilities, assets and lock your strategy.
Make confident offers backed by a fully-vetted approval letter.
We coordinate every party so closing day is a relief, not a fire drill.
Let's talk about your next move.
Whether you're buying your first home, refinancing, or building a portfolio — start with a no-pressure conversation.