Dedicated loan originator with 12 years experience helping clients achieve their homeownership dreams. Certified SETH Grant provider, offering down payment and closing cost assistance. Proud Marine Corps veteran specializing in VA loans for fellow service members. Access to flexible lending guidelines, including minimum 580 credit scores and high debt-to-income ratios (Conforming 50%, FHA 55%, VA 70% with acceptable residual income). Contact me today for pre-approval and competitive rates.