Seasoned loan officer with 25+ years of experience, dedicated to helping families achieve homeownership. Carl partners with the real estate community to find optimal financing solutions tailored to individual financial goals. He excels at problem-solving and finds immense satisfaction in delivering the news of loan approval. Specializing in purchase and refinance options, our team provides superior service and personalized guidance in California, Arizona, Nevada, and Texas. We are a full-service, direct lender committed to exceeding expectations and building lasting relationships. NMLS ID #1071 (www.nmlsconsumeraccess.org).