Seasoned mortgage advisor with 30 years experience specializing in residential lending. Guiding first-time homebuyers through every step of securing their dream home is my passion. I build lasting relationships based on trust and a deep commitment to my clients financial well-being, offering ongoing support long after closing. Proven track record with over $1 billion in closed loan volume. VA loan expert offering zero down payment options and no bank fees for veterans. FHA and VA loan specialist.