Experienced Mortgage Loan Officer specializing in affordable homeownership solutions. With over 25 years in the industry, I guide first-time buyers and diverse clients through every step of the mortgage process. I excel at identifying the optimal loan programs, including down payment and closing cost assistance, to meet your unique financial goals. Whether you're buying, refinancing, or a seasoned homeowner, expect clear communication and expert advice. My commitment to exceptional service ensures a smooth, stress-free experience. Let's make your homeownership dreams a reality.