Southern Maryland's trusted loan officer since 1980, specializing in guiding first-time homebuyers to achieve their dreams of homeownership. I excel at navigating the complexities of mortgages, making the process clear and accessible, especially for those who believe homeownership is out of reach. My expertise includes FHA underwriting and a deep understanding of VA Rural Development, state bond programs, and conventional loan options. Let me help you unlock the door to your first home.