I began working in the mortgage industry in 1979. My experience includes Loan Processing, Underwriting, Funding, Closing, and managing a Banker's office as an AVP. I currently hold my NMLS License and Real Estate License. My clients love working with me because I can anticipate any unforeseen issues and resolve them before they become a problem. My Realtors love working with me because of the care I take with their clients, quick response to their pre-approvals, and my timely closings. As a direct lender, our office originates FHA, VA, Conventional, USDA, Jumbo, Down Payment Assistance, and special programs for Public Service employees. Since 1979 I experienced many market trends. That experience allows me to help and educate my clients through their various mortgage needs. My focus remains on personal service to all my clients and I strive to meet or exceed my clients expectations.