Experienced loan officer and real estate professional with 20+ years in the financial services industry. Licensed Real Estate Broker, Insurance Agent, and Mortgage Loan Originator dedicated to educating and empowering clients. Expertise in first-time homebuyer programs, financial literacy, and retirement planning. Passionate about helping individuals achieve their real estate and financial goals with honesty and integrity. Proven track record in guiding clients through buying, selling, and investing in real estate. Specializing in flat fee listings, FSBO programs, and connecting renters with investors. Offering mortgage protection insurance, life insurance, and retirement annuities. Contact me to achieve your real estate dreams.