Mortgage Loan Originator with 35+ years experience specializing in simplifying home financing. Expert in Conventional, FHA, VA, USDA, Renovation, and Jumbo loans, with a passion for assisting first-time homebuyers. Deep knowledge of down payment assistance programs and loan structuring for qualification. U.S. Army veteran bringing disciplined, client-focused service to every transaction. Member of the Greater Kansas City Association of Real Estate Brokers (NAREB affiliate) and affordable housing advocate. Dedicated to finding the right mortgage solution for your unique needs.