For the last 34 years, I have been blessed with helping thousands of home buyers navigate through the home purchase/refinance process.  If you are a first time buyer, I am known for my expertise with state and local grant programs for down payment & closing cost help. Interested investors can benefit from my experience of being a long term investor for loan strategies to maximize wealth creation.  Lastly, move up buyers can take advantage of my 34 years’ mortgage wisdom to help structure loan terms to maximize your best loan options. I am always here to help you navigate through the home mortgage process. I am from the old school and encourage meetings in person when possible.