I was born in Toronto, Canada, but grew up in San Jose, CA.  Being of Portuguese descent, I speak that language fluently and have also taught myself Spanish.  I graduated from San Jose State in 1997, with a degree in Political Science.  However, while in college I worked part time in the mortgage industry making cold calls for lead generation.  I saw the potential and have been doing loans ever since.   It is extremely satisfying to assist people with financing one of the most important purchases they will make.

Each customer's story is different, each of their needs is different, which is why seeing them obtain their dream is always exciting.

When I am not helping others purchase or refinance their homes, I spend time with my wife of 20 years, Marleen, and our three teenagers, Richard, Kathleen and Isabella.  In addition, I play the Tenor saxaphone with "The Portuguese Band of San Jose", love watching football and participate in several Portuguese functions throughout the year.