I have over 20 years experience in the Mortgage Lending Industry. I specialize in First Time Homebuyers, whether it may be lower credit scores, down payment assistance programs or just information to guide you thru the home buying experience. My goal is treat my customer the way I would want to be treated if I were buying a home. Communication and Information is the key to a successful transaction and delivering on the promises we make to ensure an ontime closing is a MUST!! I want to be your lender for life.