Seasoned mortgage expert with 12+ years navigating complex loan scenarios. I excel at structuring files to meet agency guidelines, including manual underwriting, and specialize in NON-QM programs for borrowers with unique credit profiles. I thrive on overcoming obstacles and securing approvals where others fail. Partnering with Gustan Cho & Associates and USA MORTGAGE, known for their NO OVERLAY advantage, allows me to empower more individuals to achieve homeownership. Licensed in Illinois, Ohio, and Iowa.