Mortgage Loan Officer specializing in Southeast Michigan (Livingston & Oakland Counties), licensed to lend nationwide. At The State Bank, I help clients purchase, build, or refinance homes with unique programs like vacant land loans, single-close construction loans, and flexible jumbo/portfolio options including non-warrantable condos and HELOCs. As a community bank with local processing and approval, we offer fast closings (under 30 days). We're also a Freddie Mac direct lender, streamlining the application process. Backed by 11+ years of experience, I'm committed to providing exceptional service and building lasting relationships.