Seasoned mortgage professional with 20+ years in finance, specializing in Conforming, FHA, VA, Rural Housing, and Jumbo loans. I deliver exceptional service and competitive rates, crafting personalized loan solutions for each client. My expertise fosters trust, resulting in consistent referrals and repeat business. Fluent in Spanish, I collaborate with top Spanish-speaking realtors to provide seamless teamwork. Partner with me and Heritage Financial Group for a worry-free homebuying or refinancing experience, backed by a comprehensive suite of mortgage products.