Dedicated loan originator with 36 years of finance experience, specializing in turning homeownership dreams into reality. I go beyond transactions, focusing on understanding your unique story and financial goals to provide tailored loan solutions. Expert in navigating first-time homebuyers through the lending process, including down payment assistance (up to 5%) and mortgage tax credits (up to $2,000 annually). Available beyond traditional hours – days, nights, and weekends – to ensure a seamless and supportive experience. Let's connect and explore your options. Equal Housing Opportunity. Cardinal Financial Company, Limited Partnership NMLS 66247-www.cardinalfinancial.com/nmls-licensing, www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/66247