Experienced Mortgage Loan Officer specializing in helping individuals and families achieve homeownership. With over 20 years in the industry, I expertly guide first-time homebuyers and diverse clients through the mortgage process. I excel at identifying affordable lending solutions, including down payment and closing cost assistance programs. Whether you're buying, refinancing, or a seasoned homeowner, I offer personalized consultations and clear communication to ensure a smooth, exceptional experience. My commitment to exceeding expectations drives my referral-based business. Let me help you find the perfect loan to meet your financial goals.