Introduction While having both a caring attitude and years of experience, I do know that buying a home can be an extremely emotional experience for the entire family. At the same time it is an important business transaction - one in which financial decisions made can likely affect family members for many years to come. My years of experience in both construction and finance give me the edge in a highly competitive market.  My honesty, integrity, accessability, and attention to the client allow me to rely primarily on referral business.  You will find doing business with me to be not only a pleasure but also a wise business decision. It will be my pleasure to work with you and for you. MY SERVICE COMMITMENT To respond to your phone call or page within minutes. To consult with and educate real estate professionals and home buyers on market conditions and changes. To provide accurate closing cost estimates with no surprises. To provide excellent communication throughout the entire process to the home buyer as well as to the real estate agents. To process my own loans - making ME accountable throughout the entire process. To help the home buyer coordinate their insurance, to review the final closing figures, and attend most closings. To be accessable at all times. To be excited in helping people with the purchase or refinancing of their home, working to make the transaction as smooth as possible and to explain all details and required documentation. When buying a new home, you always try to get the best possible deal that you can. When it comes to the mortgage, buyers seem to think that you only have a few options and that interest rates are the only factor you need to concern yourselves with. There are so many new programs being introduced today that when being properly addressed, you can save thousands of dollars. The education that I promote to my clients puts me above the rest. I offer free consultations to my clients.  Prior to the home search, let me evaluate current and long term needs in order to maximize buying power. Then I can assist you in obtaining your loan approval before you begin your home search.  This will facilitate easier contract negotiations. From the new home buyer to the financially sophisticated, I customize my efforts for the complete satisfaction of the borrower. Representing a multitude of investors allows me to provide countless loan programs at highly competitive costs.  This also gives me complete flexibility in financing home buyers that have unique and sometimes difficult financial needs.

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