Mortgage Loan Officer at Lower Financial (a dba of Homeside Financial) dedicated to simplifying homeownership. I guide first-time buyers through every step, ensuring a smooth and positive experience. Lower Financial is a direct mortgage lender, handling origination, underwriting, and funding in-house. We offer competitive rates and a comprehensive suite of loan products, including FHA, VA, Conventional, Refinance, and HARP options. Let me help you find the perfect mortgage solution.