With 37 successful years as a Mortgage Loan Originator. I’m expert with Conventional, FHA, and VA lending. I specialize in 1st time borrowers. I offer excellence in customer service and strongly believe in relationship lending. Over 80% of my business comes from repeat borrowers or referrals from satisfied customers. I also stay on top of current trends and market conditions. I understand that home financing can be intimidating and strive to make the process straightforward and stress free. My attention to my client's needs allows me to do just that. My goal is building relationships with customers who become lifetime clients. If you are a 1st time homebuyer or a seasoned investor, my experience will help you achieve your goals. Expert advice and experience can help you use your mortgage as a steppingstone to greater financial security.