Experienced Loan Officer specializing in diverse mortgage solutions. With over 20 years of experience and $320M+ funded, I help clients nationwide achieve their property goals. Expertise includes first-time homebuyer programs, second homes, investment properties, refinances, self-employed borrowers, and renovation loans. Offering a wide range of loan options: fixed-rate (30, 25, 20, 15 year), adjustable-rate mortgages (ARMs), and government-backed loans (Conventional, FHA, VA). Passionate about leveraging IHDA grant down payment assistance (up to $10k). Contact me for no-closing-cost financing options. Let's build relationships and make a difference, one deal at a time.