Dedicated mortgage professional with 20+ years experience guiding clients to successful homeownership. Passionate about providing tailored financing solutions for first-time buyers, veterans, and seasoned investors alike. Expertise includes VA, FHA, and Jumbo loans, plus specialized programs like Utah Housing and Rural Housing. I offer personalized care to navigate complex situations, including foreclosures and short sales, and assist with relocation financing. Let me help you achieve your real estate goals.