Washington & Colorado licensed mortgage loan officer with over 20 years experience navigating complex lending scenarios. I specialize in finding solutions for diverse borrowers, offering a full suite of loan products: FHA, VA, Conventional, Jumbo, Reverse, Manufactured, and Modular. Expertise includes purchases, cash-out refinancing, debt consolidation, land acquisition, construction, and investor financing. I work with a wide credit spectrum, including borrowers with lower scores and those emerging from bankruptcy. My goal is to guide you through every step, securing the right mortgage for your unique needs.