Mortgage expert with 18+ years guiding clients to optimal home financing solutions. I specialize in credit improvement strategies to unlock homeownership through strategic mortgage or refinance options. Simplifying the complex, I empower clients to confidently navigate the home buying journey. Offering competitive rates and diverse loan products including Conventional, FHA, VA, USDA, and Jumbo, I tailor solutions to individual financial goals. Dedicated to community empowerment, I provide homebuyer education and build lasting relationships as your trusted mortgage advisor. Referrals are appreciated.