Experienced Loan Officer & Certified Mortgage Planner since 2001. I specialize in integrating your mortgage into your broader financial strategy, optimizing cash flow and minimizing long-term interest and tax burdens. My background includes real estate licensing and personal experience as a homeowner and investor, providing a unique perspective to guide you through every step. Partner with a seasoned professional dedicated to your financial well-being. OVM Financial powered by AnnieMac Home Mortgage, an equal housing lender. Corporate NMLS ID# 338923 (http://www.nmlsconsumeraccess.org) https://annie-mac.com/pages/licensing