With over 20 years of experience in the mortgage industry, I specialize in residential home purchases and offer expertise in a variety of loan products, including Conventional, FHA, VA, and Rural Development loans. I excel at helping clients understand their options and identifying the loan that best suits their unique needs, whether it's a no-down-payment option or a lender-paid mortgage insurance product. I am adept at navigating diverse credit situations and providing guidance to clients to prepare them for future homeownership. As a problem solver, I am passionate about finding solutions and educating clients throughout the mortgage process. I offer second opinions on pre-approvals and strive to match or beat competitor rates. Contact me for assistance anytime, including evenings and weekends.