Colorado mortgage expert with 30+ years experience, specializing in purchase and refinance loans. Licensed in Colorado, New Mexico, and California. As a former member of the Colorado MLO exam development committee, I possess in-depth knowledge of mortgage lending. I'm passionate about finding the perfect loan solution for each borrower, whether it's a new home, resale (including short sales/foreclosures), or refinance. Proudly serving clients with DHI Mortgage, known for competitive rates and exceptional service. Denver native since 1976, with a BA from Metropolitan State College of Denver and an MBA from the University of Colorado at Denver. Parker resident. Referrals welcome!