Experienced Loan Originator: 30 years banking, 23 years specializing in mortgages. Expert in Conventional, FHA, VA, USDA, and IHDA loans, plus diverse portfolio programs. Access to jumbo loans, physician loans, and more. Combining broker-like product variety with bank stability. Dedicated to exceeding customer expectations with integrity and personalized service. NMLS licensed to originate loans nationwide. Let me help you secure optimal financing.