It's my mission to treat everyone as if they are my one and only client. I will educate you about the decisions you are about to make regarding the purchase of a new property or refinance of an existing home. I pride myself on being your consultant during the process, ensuring you have the right loan for your financial needs. My hope is, at the end of the loan process, you feel you had a great experience, learned something along the way and would share your positive experience with family and friends. 100% of my business is referral based originating from Realtors, Financial Advisors, Accountants, Prior Clients and other professional groups. I specialize in getting the tough deals closed. Whether it's FHA, VA or Conventional, I have the knowledge and expertise to guide you into the appropriate program. Put my 20+ years of experience to work for you and experience a new dimension of mortgage lending. I hope to have you as a client for life.