Mortgage Loan Officer specializing in tailored home financing solutions. I excel at understanding your unique financial situation and matching you with the optimal loan program, going beyond rates to minimize your overall cost. Expertise includes first-time homebuyer programs, no down payment options, jumbo loans, and investment property financing. With 20+ years of experience, industry recognition, and Mortgage Bankers Association leadership, I guide borrowers through purchase and refinance options, ensuring the right loan fit. Let's explore your possibilities.