With over 25 years of experience in the residential mortgage industry, I am dedicated to helping homebuyers and homeowners across the US find the ideal loan solutions for their unique needs. I have extensive experience assisting first-time homebuyers, seasoned buyers looking to upgrade, and investors interested in vacation homes and multi-unit properties. I also specialize in refinancing options to help clients lower interest rates, consolidate debt, and access cash for home improvements or investments. My expertise extends to reverse mortgages for seniors and VA loan programs for veterans. At First Centennial Mortgage, we offer a wide range of loan products, including FHA, conventional, VA, USDA, down payment assistance programs, fixed-rate mortgages, adjustable-rate mortgages, renovation loans, reverse mortgages, and jumbo loans.