With over a decade of experience in the mortgage industry, I possess a comprehensive understanding of today's lending landscape. My expertise spans a wide range of loan products, including purchase and refinance options such as conforming, Jumbo, Reverse Mortgage, FHA, VA, and USDA loans. My primary objective is to empower you with the knowledge necessary to make informed decisions that align with your unique financial goals. At American Financial, we recognize the value mortgage brokers bring to borrowers, especially in light of evolving federal banking regulations, QM test requirements, and the SAFE Mortgage Licensing Act of 2008, which collectively safeguard consumers and ensure that mortgage brokers are well-versed in consumer finance regulations through rigorous state licensing and annual renewal processes.