Experienced Senior Home Lending Advisor with 22 years guiding clients nationwide. Specializing in pre-qualification, self-employed borrowers, and low-to-moderate income programs. Expertise includes vacation home financing, FHA, VA, conforming, and jumbo mortgages. Whether you're a first-time buyer, expanding, downsizing, or seeking a second home, I'll analyze your financial situation to identify the optimal mortgage solution. I provide clear explanations, answer your questions, and ensure a smooth, informed lending experience from start to finish. Let's find the perfect mortgage for your needs.