Experienced Mortgage Loan Officer dedicated to providing personalized financing solutions for homebuyers and homeowners. With nearly two decades in the industry, I specialize in understanding your unique needs to deliver a seamless mortgage experience. Expertise includes first-time homebuyer programs, investment properties, renovations, and government-backed loans (VA, FHA, USDA, ODVA). I also offer Non-QM financing options. My commitment is to clear communication, transparency, and on-time closings, resulting in a business built on referrals. Let's discuss your homeownership goals today.