Seasoned Mortgage Loan Originator with 30+ years experience, licensed by the Bureau of Real Estate. Formerly a top-producing retail and wholesale representative at World Savings, earning multiple President's Club awards. Dedicated to understanding each borrower's unique needs and presenting tailored mortgage solutions. Specializing in purchase mortgages, refinance options (with or without cash out), and reverse mortgages. Committed to providing expert guidance and personalized service throughout the entire loan process.