Experienced Mortgage Loan Officer specializing in helping individuals and families achieve homeownership. With 20 years in the industry, I expertly guide first-time homebuyers and diverse clients through the mortgage process. I excel at identifying optimal lending opportunities, particularly affordable housing options, including down payment and closing cost assistance programs. Whether you're buying your first home or refinancing, I offer personalized consultations and proactive communication, ensuring a seamless and exceptional experience. My commitment to exceeding expectations drives my referral-based business. Let's make your homeownership dreams a reality.