With over 20 years of mortgage industry experience, I am dedicated to helping clients achieve their homeownership dreams. I understand that every situation is unique, and I provide expert guidance through every step of the mortgage process, from credit improvement and down payment assistance to debt restructuring. My business thrives on referrals, a testament to my commitment to exceptional service and in-depth knowledge of various loan programs, including Conventional, Jumbo, USDA, VA, FHA, and WHEDA loans. Whether you're purchasing or refinancing a primary residence or investment property, I work diligently to ensure a smooth and successful transaction. I also offer credit guidance to help clients get back on track. I am passionate about helping people make informed decisions and achieve their homeownership goals.