Seasoned Mortgage & Consumer Loan Expert at Citizens Bank. With 15 years of experience, I guide clients through every step, from personal loans to home financing. Specializing in Conventional, VA, FHA, USDA, and first-time homebuyer programs, I handle both in-house and secondary market transactions. Proven leadership includes past President of the Tri Cities Mortgage Bankers Association. Dedicated to the community through involvement with the Carter County Chamber of Commerce. Previously a manager at Wells Fargo Financial for 10 years. Let my expertise simplify your borrowing experience.