With 17 years of experience in the mortgage industry, I offer expertise in a wide range of home purchase and refinance programs. Whether you're interested in a luxury home, VA, FHA, down payment assistance, or a cash-out refinance for renovations, I can help. Specializing in the Southern California housing market, I leverage my extensive knowledge to assist you in securing the best loan product for your unique needs and maximizing your chances of offer acceptance. I am committed to providing personalized guidance and support throughout the entire loan process.