Experienced Loan Officer specializing in FHA, Conventional, USDA, and VA loans. Passionate about guiding First-Time Homebuyers (FTHB) through every step of the mortgage process. With 20 years experience, I offer personalized mortgage solutions and expert credit guidance to help you achieve your homeownership goals. I provide clear explanations of available programs and connect FTHBs with valuable counseling resources. Let me empower you to navigate the mortgage landscape with confidence and build a strong financial future.