Seasoned Loan Officer with 22 years of experience guiding clients to homeownership. Expertise spans diverse lending landscapes, from refinance booms to builder partnerships and branch management. Specializing in First Time Homebuyers, credit solutions, debt consolidation, and refinance options, including VA, FHA, and Conventional loans. Proven track record of success, consistently exceeding expectations with multi-million dollar loan volume, earning MBAG Gold and Platinum awards. Passionate about simplifying the mortgage process and empowering homebuyers to achieve their dreams.