Dedicated loan officer with 20 years experience guiding clients toward homeownership. Passionate about empowering borrowers with clear, comprehensive mortgage advice. Specializing in FHA, Conventional, VA, and USDA loans, I help individuals and families achieve their real estate goals. As a long-time Utah resident, I'm committed to serving my community and building lasting relationships. Let's explore your mortgage options and make your dream a reality. Contact me today!