Seasoned Mortgage Loan Officer with 30+ years experience. Business degree from Towson University. Proven track record originating, processing, and closing diverse loan programs. Expertise in conventional, FHA (including 203k and HECM), VA, Fannie Mae, Freddie Mac, jumbo, and portfolio loans. Former Assistant Branch Manager recognized for exceptional customer service and high-quality loan portfolio management. Helping clients achieve their homeownership goals since 1989.