Seasoned mortgage professional with 23+ years experience guiding clients to successful homeownership. My background in financial planning revealed a critical need for expert mortgage advice, leading me to excel in residential and commercial lending. Known for exceptional service and referral-based business, I prioritize clear communication, realistic expectations, and on-time closings. Deeply committed to educating first-time homebuyers, I empower clients to make informed decisions. Proudly aligned with the Dave Ramsey philosophy since 2011, I help families achieve debt-free living and realize their homeownership dreams. Phoenix branch.