I'm a full service mortgage lender with over 25 years of experience. My goal is to help each and every client to fulfill their dream of owning a home. I have a variety of loan products to cater to my clients specific needs. I am also very accessible and take calls on my cell 7 days a week as I realize that most people don't buy loans 9-5 Mon-Fri which is why I work realtor hours to stay available to my clients. Whether you are looking to purchase your first home or your last home, I've got the experience to help guide you thru the process. I'm also experienced in refinance loans and can help whether you are needing that much needed cash out to consolidate debt or simply looking to lower your rate or term.