Seasoned Loan Officer with 40 years of experience guiding clients through the mortgage process. Leveraging a strong financial background and disciplined approach honed through military service, I provide clear, informed guidance on financing options. I partner with clients and real estate agents to navigate the complexities of homeownership, focusing on affordability and long-term financial well-being. My expertise lies in matching borrowers with suitable mortgages based on their individual needs and financial goals, ensuring a smooth and successful transaction. Dedicated to responsible lending and empowering clients to make informed decisions.