Dedicated mortgage professional with 25+ years experience crafting personalized home financing solutions. Specializing in purchase and refinance options, including conventional (low down payment), FHA, VA, USDA, WHEDA, construction, and land loans. Access to first-time homebuyer programs and grants. Driven by client satisfaction and referrals from realtors and past clients. Passionate about helping individuals and families achieve their homeownership dreams with the perfect mortgage fit.