**Mortgage Expert | Harford County, MD**
With two decades of experience in mortgage financing since 2003, I guide clients through seamless refinance and purchase transactions. My background at Universal Trust Mortgage, coupled with 20 years in customer service, ensures a smooth and enjoyable experience. I'm dedicated to earning your trust and business. A Harford County resident with my wife, Denise, son, Bill the third, and our three pets, I understand the local market and am committed to helping you achieve your homeownership goals. Let's connect!