Seasoned Mortgage Expert: 18+ years guiding clients through diverse real estate transactions. Proficient in FHA, VA, Conventional, and USDA (0% down) loans. Licensed in multiple states, assisting relocations with ease. From first-time homebuyers to high-value properties, I simplify the mortgage process. Dedicated to providing personalized scenarios and clear answers, ensuring you secure the optimal loan for your needs. Purchase or refinance, I'm your advocate for a seamless experience. My goal is to earn your repeat business and referrals.