— J.D. Power
Shortly after I began my mortgage career at a small Savings & Loan in 1986, I saw how the relationship between effective mortgage and debt management could enhance the availability of a borrower's funds for investment and their long-term goals for wealth creation. Mortgage planning and debt management are the not-so-often considered other half of financial planning.
In support of this approach and to bring a real value-added experience that benefits my clients, I invested in my professional development in earning a Master's degree in Business Administration and obtained a Certified Mortgage Planning Specialist designation, a rigorous program that combines in-depth mortgage strategies, debt analysis and management techniques with financial planning.
To keep these designations also includes annual continued education and re-certification. The purpose is to bring useful information and high-quality service to my clients not typically found elsewhere in the mortgage industry.
My objective is to create a genuine "client-for-life" relationship that helps build a lasting foundation for each of my client’s long-term financial security.
I am licensed in California and Texas.
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Attn: Texas Applicants:
Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the Department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.
The Department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department’s website at www.sml.texas.gov