Seasoned Loan Officer with 30+ years navigating the complexities of mortgage financing. Deep understanding of credit scoring and its impact on loan eligibility. Built a career on transparent communication and integrity, principles honed over 40 years of self-employment. Focused on providing exceptional service to a select network of Realtor partners, past clients, and friends. Committed to exceeding industry standards through continuous education in mortgage and credit advising. Thirteen-time recipient (2011-2023) of the Certified 5 STAR Mortgage Professional award, placing me among the top 1% of mortgage professionals nationwide.