Hello! I have been in the mortgage industry for over 16 years helping my clients with their mortgage needs and goals. I am not just a Mortgage Loan Officer but a trusted friend and an experienced mortgage consultant. Helping my clients achieve their financial and mortgage goals is my passion! I have been in the mortgage industry long enough to see all the ups and downs. I have seen and done every type of loan possible. Whether you want to just get the lowest rate/payment on your mortgage or maybe you want to pay your home off in the least amount of time possible or maybe you need to access some of the equity in your home to consolidate some bills or to do some home improvements. Whatever your goals are I can help you accomplish them. I will never try to hard sell you. I don't believe in this approach. My goal is to build a lasting, trusting relationship with you so you will always have a trusted friend in the mortgage industry that you can turn to when you have questions. I not only want to earn your business but also your family, friends, co-workers and neighbors. I will do this with honesty, integrity, hard work, communication and 100% dedication to the highest standard of a customer experience and accomplishing all your goals. I understand that a refinance or purchase of a home is one of the most important financial decision you will make in your lifetime. Therefore, I will take a consultative approach to your loan. I will look at your complete financial picture, compare that to the goals you want to accomplish and present you with multiple options to help you get there. We will discuss these options in detail, and I will give you my expert, experienced advice regarding which option makes the most financial sense based on the goals you want to accomplish. What you will get is 16 years of experience doing thousands of refinances and new home purchases for clients just like yourself. I am a person of great integrity and values. This is how I was raised and what I believe in. I look forward to working with you!