Dedicated loan officer with 17+ years of experience providing exceptional service and building lasting client relationships. Licensed in 49 states (excluding New York). Specializing in Conventional, FHA, VA, USDA, Jumbo, and MHFA loans, including construction, rehab, and Non-QM options. Expertise in down payment assistance programs like Wish Program. Proven track record of client satisfaction through honest, reliable service and personalized loan solutions. I prioritize understanding your unique needs to secure the most financially beneficial program. Enjoy a smooth, effortless process from application to closing. Luminate Home Loans, Inc. DBA Refined Lending NMLS- #150953 An Equal Housing Lender.