Dedicated mortgage professional with 20 years experience guiding clients to homeownership. Specializing in purchase and refinance loans for 1-4 unit properties, I offer expertise in government (FHA, VA, USDA), jumbo, new construction/renovation, and conventional financing. I am committed to finding the best loan options for each borrower, including down payment assistance programs. Licensed in TN & MS MLO NMLS #546320. Company NMLS #8259. Equal Housing Lender. All loans subject to credit approval. Rates and fees subject to change.