Mortgage industry veteran (37 years) dedicated to providing expert guidance and personalized loan solutions. I empower homebuyers with the knowledge and support needed to navigate today's complex market. As part of the American Portfolio Mortgage Team (NMLS #175656), I stay ahead of industry changes to offer the best advice and service. Specializing in Conventional, FHA, USDA, and VA financing, I prioritize integrity and professionalism to simplify the mortgage process and ensure a worry-free experience tailored to your unique financial needs.