Mortgage expert with 20+ years experience, transitioning from real estate in 1999. My background provides unique insight into client needs, ensuring a smooth and successful loan process. I specialize in personalized mortgage planning, offering tailored solutions for diverse borrowers: first-time homebuyers, move-up buyers, investors, and refinance clients. Whether you have credit challenges or require jumbo financing, I'm dedicated to helping you achieve your real estate goals – from buying your first home to investing in property – with exceptional service.