Dedicated Loan Officer specializing in VA Loans and down payment assistance. Backed by 10+ years in real estate and mortgage banking, plus 13 years of service as an Army National Guard Veteran, I bring unwavering integrity to every transaction. I guide first-time homebuyers, growing families, and empty nesters through a seamless mortgage process at Waterstone Mortgage. Expect competitive rates, flexible loan programs, and rapid approvals. Let's achieve your homeownership goals together with clear communication and local expertise.